USDA Vs. FHA Pro and Con comparison in Dallas, Polk County, OR

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching outcomes

What is a USDA Loan in OR?

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.

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



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