USDA Vs. FHA your options comparison in Cottage-Grove, Lane County, OR
In 2025, the USDA loan cap in Cottage-Grove, Lane county, OR, is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the prevailing USDA and FHA best rates, assessing the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your specific financial needs in .
2025 Loan Limits and Down Payment Requirements in Cottage-Grove, Lane County, OR
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discovering USDA and FHA Loan Options in Cottage-Grove, OR
The ambition of Lendersa® is to promptly deliver the best USDA or FHA loan options without hassles. Choose from three starting points that match you with appropriate lenders and USDA loan plans.
A USDA home loan is backed by the U.S. Department of Agriculture, also recognized as a USDA rural development loan or mortgage, and is available only in rural areas. In contrast to FHA loans, which necessitate a 3.5% down payment minimum, USDA loans do not require any down payment.
First Community Credit Union has been serving Oregonians for more that 60 years. Today we are among the strongest credit unions in the nation. As a federally insured, not-for-profit, full-service financial institution, we're dedicated to helping our members and our communities prosper through solutions that result in financial success
Evergreen continues to grow stronger than ever with our signature Main Office Headquarters located along the Rogue River in Grants Pass. In addition, Evergreen has four other branches located in North Grants Pass, Medford, Rogue River, and Brookings. We remain committed to our Mutual charter and our mission to reinvest in projects and community eve
We take the time to interview each client and listen to their individual circumstances. We invite them to tell us "their story". Through our years of experience, we have creative ideas and methods to lend money when conventional lenders can't help. We can arrange a loan term that matches your unique situation.
JEFFERSON STATE MORTGAGE is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
1454 North West 6th Street, Grants Pass, OR, 97526
Owner/Broker Bruno Skopinich employed as loan consultant with Investment Resources Inc. We are located in Southern Oregon. Investment Resources Inc. is multi-dimensional company offering investment, insurance, tax service and mortgage loans. Bruno have been active in the mortgage industry for over 25 years with a stellar reputation.
IBEW/SJ Cascade Federal Credit Union is a member owned, not for profit financial cooperative that is committed to its members. We are committed to the financial well-being of our membership. We offer a full line of savings & loan products. We offer most services that an individual could get at any other financial institute delivered at a fair cost.
Valley Credit Union is a not-for-profit financial institution dedicated to exceptional service, competitive rates and products and a commitment to the local community. The Valley team lives in the same community as our members and we want you to feel as welcome here as you do in your own home.
Landmark Professional Mortgage Company is a locally-owned boutique mortgage bank. Collectively, we have been serving the residential mortgage needs of Oregon and Washington for over 31 years and are committed to being your trusted source for home financing education and guidance. Our focus is on your experience.
Mortgage First is committed to providing our clients with the best of both worlds–excellent customer service and competitive rates. Our seasoned mortgage professionals will work with you one on one to ensure that you get the right home financing solution tailored specifically to meet your needs.
In 2001, a group of local business owners realized that the unique needs of companies on the Oregon Coast—the fisheries, logging outfits, motels, restaurants, and shops that have always been the backbone of our communities—just weren’t being served well by the big banks. So they decided to build a bank dedicated to supporting the people
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.
