USDA Vs. FHA Pro and Con comparison in Estacada, Clackamas County, OR

In 2025, the USDA loan limit for Estacada, located in Clackamas, OR, is set at $478,400. The FHA limit for a single-family residence is $672,750.

Use the Lendersa® USDA loan calculator to examine today's top USDA and FHA rates, determining the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Estacada, Clackamas County, OR

Loan Type Loan Limit Down Payment
USDA $478,400 0%
FHA $672,750 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Possibilities in Estacada, OR

Lendersa® is dedicated to obtaining the best USDA or FHA loan for you swiftly and with ease. Choose one of the three options to connect with compatible lenders and explore available USDA loan programs.

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Understanding USDA Loans in OR

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and accessible only in rural areas. FHA loans require a minimum down payment of 3.5%, but USDA loans do not require any down payment.

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



  • Patriot Mortgage Corporation
  • 640 N 9th St, Cottage Grove, OR, 97424
  • Patriot Mortgage Corp. has been serving Oregon Residents for more than a decade. Throughout our company's distinguished history, we have managed to keep our customers coming back year after year. Why is this? Well, it's simple. We give our clients what they need. Not too many mortgage brokers can say that.
  • State Highway Credit Union
  • 2632 Rudkin Road, Yakima, WA, 98903
  • State Highway Credit Union ("SHCU"​) is a state-chartered and member-owned credit union, rooted in the heart of Central Washington State, since 1938. SHCU exists to help our members fulfill their dreams, to live a high quality of life today, and to be financially set for their futures.
  • Oregon Pacific Bank
  • 1365 Hwy 101, Florence, OR, 97439
  • Established on December 17, 1979 and headquartered in Florence, Oregon, we are proud to have full service branches in Coos Bay, Eugene, Florence, Medford, and Roseburg. Staffed by local decision makers, we specialize in offering holistic financial services to our local families and business owners. We are committed to aiding the growth
  • Raymond Federal Bank
  • 202 Duryea St, Raymond, WA, 98577
  • Raymond Federal Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public. Raymond Federal Bank was founded to provide a stable base for financial growth, specifically for the people, businesses and families of Pacific County. We have 3 locations to serve you, Raymond, South Bend and Long Beach.
  • First Millennium Holdings
  • 601 1st ave suite 1400, Spokane, WA, 98580
  • making your dreams of tomorrow a reality today. Originating Conventional VA FHA USDA Jumbo Stated No Doc and NiV DSCR No ratio. our website is top notch and and you view and check the status of your rate with a custom quote with live pricing from our investment banks 24 hours a day
  • AAI Financial
  • 819 S 72nd Ave, Yakima, WA, 98908
  • AAI, founded in 2017, is a real estate and financial firm headquartered in Yakima, WA with a focus on secondary and tertiary markets. We specialize in assisting clients with: commercial financing buying, selling, or leasing residential and commercial real estate buying or selling a business underwriting support for financial institutions
  • PFC of Yakima
  • 732 Summitview Ave, Suite 639, Yakima, WA, 98902
  • PFC of Yakima is a local family-owned company specializing in asset and real estate secured lending. We have been originating, underwriting, and servicing loans in Central Washington since 1992. Michaela Stelzer is the Business Manager and handle accounting and administrative duties for the company.
  • CALCOE Federal Credit Union
  • 1209 N 16th Ave, Yakima, WA, 98902
  • CALCOE Federal Credit Union, we are committed to achieving the highest level of member service by offering financial products, services, and education designed to benefit our members while maintaining the safety, soundness and managed growth of our cooperative and also CALCOE has a rich history in helping members improve their quality of life.
  • Mortgage Northwest
  • 507 Hidden Forest Drive, Olympia, WA, 98513
  • We are a full-service mortgage company based in Olympia, WA. We specialize in Refinance, Home Purchase, Loans, and Great Rate Mortgages in Olympia, Lacey, Tumwater, Yelm, Tacoma, Shelton, Centralia, Chehalis, and Dupont. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
  • Washington Business Bank
  • 223 5th Avenue SE, Olympia, WA, 98501
  • Washington Business Bank provides financial services that enable our clients to become more successful.We may not be the largest bank in the area, but that doesn’t mean we are any less sophisticated when it comes to providing everything you need from your bank. Our team of banking professionals is dedicated to providing you.
  • evergreenDIRECT Credit Union.
  • 6001 Capitol Boulevard SW, Tumwater, WA, 98501
  • evergreenDIRECT Credit Union is owned by each and every member that we serve. It's no surprise our sole focus is to provide quality, flexible services to our members at a reasonable price. Something we call "Banking. At your speed.Banks, on the other hand, are different. They have shareholders and investors to whom they have to pay large profits.