USDA Vs. FHA Pro and Con comparison in Cedar-Mill, Washington County, OR

For 2025, USDA sets the loan limit in Cedar-Mill, Washington county, OR at $414,000, while the FHA limit for a single-family home reaches $517,500.

Using the Lendersa® USDA loan calculator, you can compare USDA and FHA rates as of today, assessing the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA choices side by side, helping determine the best suited program for your financial circumstances in .

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2025 Loan Limits & Down Payment Requirements in Cedar-Mill, Washington, OR

Loan Type Loan Limit Down Payment
USDA $414,000 0%
FHA $517,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Alternatives in Cedar-Mill, OR

Lendersa® seeks to secure the best USDA or FHA loan for you, rapidly and with ease. Choose one of three paths to connect with lenders and explore relevant USDA loan options.

Lendersa USDA loan inquiry and matching results

What Defines a USDA Loan in OR?

A USDA home loan, supported by the government via the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Mortgage Express, LLC
  • 10260 SW Greenburg Road, Suite 830, Portland, OR, 97223
  • Mortgage Express has been an industry leader in residential lending since our doors opened in 1999. From a single office located just outside of Portland, OR, Mortgage Express has grown to 8 offices throughout Oregon and Washington by developing lasting relationships with our valued clients and referral partners.
  • Silverado Funding LLC
  • 10300 SW Greenburg Road - Suite 270, Portland, OR, 97223
  • Silverado Funding LLC is a mortgage banker and lender specializing in private money loans to individual borrowers or businesses in need of financing for real estate transactions. Established in 2006, we have provided funding on more than 900 investment transactions. We originate, process, fund, and service all of our loans.
  • Mortgage Express
  • 10260 SW GREENBURG ROAD, SUITE 830, Portland, OR, 97223
  • ortgage Express has been an industry leader in residential lending since our doors opened in 1999. From a single office located just outside of Portland, OR, Mortgage Express has grown to 8 offices throughout Oregon and Washington by developing lasting relationships with our valued clients and referral partners.
  • Theory Mortgage
  • 2809 Northeast Martin Luther King Blvd, Portland, OR, 97212
  • Theory Mortgage provides borrowers with mortgage strategy guidance for the greatest personal prosperity, while contributing to the greater good of the community. Whether we're buying business cards or meeting a client for coffee, we choose to support local, small businesses to enrich our community.
  • Point West Credit Union
  • 1107 NE 9th Avenue, Suite 108, Portland, OR, 97232
  • Point West Credit Union is 100% not-for-profit, member-owned awesomeness headquartered in Portland, Oregon. With a bilingual staff ready to help its members achieve financial empowerment, Point West works with its community partners to bring inclusion and equity to the underserved, and needed capital to local small businesses.
  • Portland Housing Center
  • 3233 NE Sandy Blvd, Portland, OR, 97232
  • Portland Housing Center is your trusted resource no matter where you are at in the homebuying process. When you register we’ll help you determine what services you need to become a successful homebuyer and connect you with one on one counseling, financial management and homebuyer classes, and financial products that can help you become successful.
  • Mortgage Monkey
  • 3636 NE Broadway Street, Portland, OR, 97232
  • Mortgage Monkey is a Portland based mortgage lender dedicated to putting people first. I specialize in helping clients in Oregon, Washington, California & Arizona get solid secure home financing. Services: - Mortgage loans - Real estate loans - Home refinance - Mortgage refinance Financing your home is a big deal and it is a complicated process.
  • Green Mortgage Northwest
  • 650 Holladay Street, Suite 1600, Portland, OR, 97232
  • Green Mortgage Northwest is rooted in the sustainable ethos that makes Portland an amazing place to live and attracts so many amazing people to our city. We love our inspiring clients and our goal is to deliver brilliant service while sticking to the values that guide us every day. We employ paperless document management, electronic signing.
  • NW Premier Mortgage, Inc
  • 2154 NE Broadway St, Suite 120, Portland, OR, 97232
  • NW Premier Mortgage has worked hard to build a reputation for honest business practices and integrity.Our experienced and friendly team strives to provide a high level of personal service & we never fail to remember that it is our clients that make our business a success.As a result, the majority of our client base comes from referrals and business
  • Green Source Capital LLC
  • 515 NE Holladay St, Suite 215, Portland, OR, 97232
  • The Green Source Capital, LLC team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Green Family Mortgage LLC
  • PO Box 11583, Portland, OR, 97211
  • Green Family Mortgage LLC We offer one-to-one counseling, support, and top-notch customer service. If you are calling or emailing us, you'll be talking directly to an experienced loan officer. No automated operators or customer service representatives giving you the run around here.
  • Fidelity Mortgage Solutions LLC
  • 10211 SW Barbur Blvd, Suite 101A, Portland, OR, 97219
  • Our goal from the very first time you choose FMS is to make the process of financing your home as fast and easy as possible. We strive to make the process as easy to understand and convenient for you whether you are a first-time buyer or the most savvy real estate investor. We are an Oregon based company, licensed in Oregon and Washington states.