In 2026, the USDA loan limit in Eugene, county of Lane, OR, is $336,500, whereas the FHA limit for a single-family residence is set at $481,850.
Leverage the Lendersa® USDA loan calculator to examine today's top USDA versus FHA rates. Ascertain the income, credit, reserves, and documentation necessary for eligibility. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you choose the best financial solution in
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| Loan Type | Loan Cap | Initial Payment |
| USDA | $336,500 | 0% |
| FHA | $481,850 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to connect you promptly with the best USDA or FHA loans. Choose from three initial paths to match with lenders and suitable USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is available only in rural areas. It requires no down payment, unlike FHA loans which require at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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