USDA and FHA Pro and Con in Dallas, Polk County, OR
In 2026, the USDA loan limit for Dallas, in Polk, OR, is $336,500. Meanwhile, the FHA limit for a single-family home is $483,000.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates, determining necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, facilitating your choice of the best program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Dallas, Polk, OR
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$483,000
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Dallas, OR
Lendersa® aims to swiftly connect you with the most suitable USDA or FHA loan without hassle. Begin by choosing one of three paths that lead you to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available exclusively in rural areas. Unlike FHA loans that require a 3.5% down payment minimum, USDA loans have no such requirement.
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.
At Lighthouse Financial Enterprises, Inc. our mission is to set a high standard in the mortgage industry.We are committed to quality customer service- putting the people we serve first.Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for your family from the many mortgage options.
Jenny Kuball | Capitol Mortgage Company Loan Officer
2254 Wilmington Ave NW, Salem, OR, 97304
Lends in Oregon
As a locally owned company with operations in the greater Salem and Portland metro areas, we are passionate about helping our fellow Oregon residents and investors. We proudly offer a significant range of financing programs, including conventional, FHA, VA, USDA, and even private money financing.
When we first chartered in 1964 as Oregon Employees Federal Credit Union, our mission was to serve the state employees of Salem. We’ve grown from $40, 000 in founding member assets to nearly $116 million today. We now serve close to 9, 000 members. Our Mission is to Standing tall to deliver value and innovative financial solutions to our community.
At Willamette Valley Bank, we do things differently. Unlike the big out-of town money center banks, we have built our reputation on our commitment to the families and businesses of the Willamette Valley. We listen to what our customers want and we work to provide it- locally and personally.
2195 Hyacinth Street Northeast, Suite 191, Salem, OR, 97301
Lends in Oregon
Mighty Mortgage home loans is an independent locally owned mortgage broker located in Salem, Oregon. Our goal is to provide you with superior, concierge level customer service at an exceptional value. We do this by specializing exclusively in Oregon home loans to qualified borrowers. If you need a residential home loan in Oregon.
Our focus on lifelong learning is a result of our proud history as an educators’ credit union, dating back to our start in 1935. While the tools we use to provide lifelong learning have changed throughout our over 75 years in business, the spirit of our commitment has not. You're different. So are we. “Different” is what changes the world.
