USDA Loan Vs. FHA loan pro & con Bend, Deschutes County, OR

In 2026, the USDA loan limit for Bend, located in Deschutes county, OR, stands at $455,400, whereas the FHA limit is $690,000 for a single-family residence.

The Lendersa® USDA loan calculator helps you compare today's top USDA and FHA rates. Through it, you can identify the necessary income, credit score, reserves, and required documentation for eligibility. With our sophisticated mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, aiding in deciding which program in suits your financial needs best.

Exploring USDA and FHA Loan Options in Bend, OR

Lendersa® seeks to quickly connect you with the best USDA or FHA loans, minimizing hassle. Choose one of three starting points to match with lenders and find suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in OR

USDA home loans, backed by the U.S. Department of Agriculture, often called USDA rural development loans, are intended for rural areas. Unlike FHA loans that mandate at least a 3.5% down payment, USDA loans require no down payment at all.

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(541) 728-3785 Lender's profile and map Trueline Capital 547 SW 13TH St, Suite 201, Bend, OR, 97702 Lends in Oregon Trueline Capital, LLC is located in Bend, OR, United States and is part of the Other Financial Investment Activities Industry. Trueline Capital, LLC has 9 total employees across all of its locations and generates $502, 918 in sales (USD). (Employees and Sales figures are modelled).
(541) 280-6967 Lender's profile and map Mountain Mortgage 19405 SW Kemple Drive, Bend, OR, 97702 Lends in Oregon Mountain mortgage With all that Central Oregon has to offer it is a refreshing change to work with a Mortgage Broker who ALWAYS answers the phone even when that phone happens to be DEEP in the Mountains. Call me with questions about home loans and current mortgage rates anytime..
(888) 216-9665 Lender's profile and map Oracle Funding Corp 19403 Charleswood Lane, Bend, OR, 97702 Lends in Oregon At Oracle Funding Corp, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(800) 717-9725 Lender's profile and map Black Diamond Financial LLC 213 SW Columbia Street, Suite 3, Bend, OR, 97702 Lends in Oregon We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line
(310) 913-5451 Lender's profile and map All Seasons Mortgage 15 SW Colorado Ave, Bend, OR, 97702 Lends in Oregon This family owned & operated local business has over 30 years helping families in central Oregon find the best available loan products. John is both the owner of All Seasons Mortgage and a Loan Originator. John purchased All Seasons Mortgage from a local family in 1990. His mission has always been to provide stellar service to his clients.
(541) 728-0390 Lender's profile and map Mid Oregon Lending 360 SW Bond St, Suite 410, Bend, OR, 97702 Lends in Oregon Mid Oregon Lending represents dozens of wholesale lenders that are typically unheard of by the general public. These lenders work almost exclusively through independent brokers. We shop multiple sources for the best possible combination of interest rates, fees, underwriting leniencies
(541) 388-3432 Lender's profile and map Cascade Mortgage Co 19717 Mount Bachelor Dr, Suite 258, Bend, OR, 97702 Lends in Oregon Cascade Mortgage company, where we specialize in residential mortgages. At Cascade Mortgage company, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(800) 452-3313 Lender's profile and map Mid Oregon Credit Union-Home Loans PO Box 6749, Bend, OR, 97708 Lends in Oregon Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon.
(541) 323-0422 Lender's profile and map Arbor Mortgage Group 209 NE Greenwood Avenue, Suite 100, Bend, OR, 97701 Lends in Oregon Arbor Mortgage Group, we are extremely passionate about what we do and where we live, which naturally makes us want to serve our community the best we can. For every client we have the opportunity to work with, we strive to provide an unparalleled personal, positive and professional experience.
(541) 323-7000 Lender's profile and map Northwestern Home Loans 906 NW Harriman Street, Bend, OR, 97703 Lends in Oregon We strive to provide you with a professional and personable team that is committed to helping you obtain home financing that fits your needs. Exceeding your expectations through our array of lending options, competitive rates and outstanding customer service is our number one goal.