USDA Vs. FHA your options comparison in Eugene, Lane County, OR

In 2025, 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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2025 Loan Limits and Downpayment Requirements in Eugene, County of Lane, OR

Loan Type Loan Cap Initial Payment
USDA $336,500 0%
FHA $481,850 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Eugene, OR

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.

Lendersa USDA loan request and matching results

The USDA Loan Explained in OR

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?



  • Mortgage Connections LLC
  • 7500 North Canton Center Road, Suite B, Canton, MI, 48187
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • 365 Lending, LLC
  • 3160 Haggerty Rd, STE P., West Bloomfield, MI, 48323
  • 365 Lending, LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust that when we say we
  • The Union Bank Co.
  • 105 Progressive Drive, Columbus Grove, OH, 45830
  • The Union Bank Company has been committed to providing the very best banking products and services to the communities and businesses it serves throughout Northwest and Central Ohio. Headquartered in Columbus Grove, the bank has grown to include offices in Bowling Green, Columbus Grove, Delphos, Findlay, Gahanna, Gibsonburg, Kalida, Leipsic, Lewis C
  • CLEAR LENDING GROUP
  • 7270 Glascott Ave, West Bloomfield, MI, 48323
  • Here at Clear Lending Group, we believe in putting transparency and personal touch back into the mortgage process. From your first conversation with us, you will experience firsthand our personal approach to each situation. In addition, our expertise will allow us to tailor an option to the specifics of your file.
  • Minster Bank
  • 95 W. 4th St., Minster, OH, 45865
  • Minster Bank is a locally owned community bank serving Auglaize, Mercer, Miami, Montgomery, & Shelby counties. At Minster Bank we take pride in our progressive & personable approach to providing financial services.Minster Bank has been helping individuals, families & businesses achieve their dreams by offering a variety of Personal, Business.
  • First Mortgage Solutions LLC
  • 35870 Seminary Ridge, Farmington, MI, 48331
  • For years we've dreamed of working for a company that holds the same values and has the highest standard of lending practices as we do. We wanted to work for a company that we could truly be proud of the way they interact with their clients and be confident in their integrity...which is why we chose to open up First Mortgage Solutions.
  • Member Mortgage Services
  • 38275 Twelve Mile Rd, Suite 100, Farmington, MI, 48331
  • We're a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance. We have access to a full range of mortgage sources including Conventional, FHA, VA. All of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • Triangle Federal Credit Union
  • 2330 Highway 45 North, Columbus, MS, 39705
  • Triangle Federal Credit Union was chartered in 1959 under the name of Columbus Air Force Base Federal Credit Union to serve the active and retired military personnel of CAFB. More than 60 years later, our home office remains on CAFB where we proudly continue serving those who serve.