In 2026, the USDA loan cap for Gladstone, located in Clackamas county, OR, is set at $478,400, whereas the FHA maximum is $672,750 for a single-family home.
Employ the Lendersa® USDA loan calculator to weigh today's top USDA versus FHA rates. Identify the income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator illustrates USDA, FHA, Conforming, and VA loans side by side, assisting you in determining the best option for your financial condition in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $478,400 | 0% |
| FHA | $672,750 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to efficiently link you with the most suitable USDA or FHA loan, minimizing hassle. Start with one of three options to engage with compatible lenders and USDA loan initiatives.
The USDA home loan, backed by the U.S. Department of Agriculture, is known as the USDA rural development loan or mortgage, exclusively offered in rural regions. Unlike FHA loans that require at least 3.5% down, USDA loans do not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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