USDA and FHA Pro and Con in Coos-Bay, Coos County, OR

For 2025, in the city of Coos-Bay, located in Coos county, OR, the USDA loan cap is $285,000, whereas the FHA limit for a single-family home hits $356,362.

Employ the Lendersa® USDA loan calculator to assess today's competitive USDA vs. FHA rates, and determine required income, credit, reserves, and paperwork for qualification. Our advanced mortgage tool displays USDA, FHA, Conforming, and VA options side by side, aiding in selecting the most fitting program in for your financial condition.

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Loan constraints and down payment details for 2025 in Coos-Bay, Coos, OR

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan alternatives in Coos-Bay, OR

Lendersa® aims to secure the best USDA or FHA loan quickly and seamlessly. Choose one of the three proposed paths to access lenders and USDA loan programs.

Lendersa USDA loan inquiry and outcome matching

Defining a USDA Loan in OR

A USDA home loan, insured by the Department of Agriculture—commonly known as a USDA rural development loan or USDA mortgage—is available exclusively in rural areas. Unlike FHA loans demanding a 3.5% down payment, USDA loans require no down payment at all.

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



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