USDA vs FHA Loan Rates and Rules for Happy-Valley, OR

In 2026, the USDA loan maximum in Happy-Valley, county of Clackamas, OR, is set at $414,000, whereas the FHA limit for a single-family dwelling is $517,500.

Utilize the Lendersa® USDA loan calculator to examine today’s prime USDA against FHA rates, identifying the required income, credit, reserves, and documentation essential for qualification. Our advanced mortgage tool presents USDA, FHA, Conforming, and VA options side by side, guiding you in choosing the optimal program in tailored to your financial needs.

Options for USDA and FHA Loans in Happy-Valley, OR

The mission of Lendersa® is to swiftly facilitate access to the best USDA or FHA loan with minimal hassle. Choose one of three paths leading to compatible lenders and USDA loan programs.

Lendersa USDA loan inquiry and matching results

Explaining USDA Loans in OR

A USDA home loan, endorsed by the U.S. Department of Agriculture, is often termed a USDA rural development loan or USDA mortgage; it is specifically available for rural areas. Different from FHA loans that require a 3.5% minimum down payment, USDA loans have no down payment requirement.

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(503) 427-1667 Lender's profile and map Northwest Reverse Mortgage 10121 SE Sunnyside Rd, Suite 300, Clackamas, OR, 97015 Lends in Oregon We are committed to quality service through educating our clients about their options and providing solid information for you to make the optimal decision for your unique situation. With almost two decades in this industry, Jeff Foody started our mortgage brokerage Northwest Reverse Mortgage in Oregon in 2019.
(503) 208-8220 Lender's profile and map Root Mortgage 10151 SE Sunnyside Rd, Suite 220, Clackamas, OR, 97015 Lends in Oregon At Root Mortgage we love working with people. We have an expert team of individuals with the ultimate goal of serving our clients. We will work hard for you, your family, and your situation. That’s why we serve our clients by giving them the same advice we’d give to our family and friends.
(503) 680-5821 Lender's profile and map The Palmer Team at Homebridge Financial 10163 SE Sunnyside Rd, Suite 340, Clackamas, OR, 97015 Lends in Oregon Homebridge has a number of products custom-tailored to fit everyone’s individual needs. This sets us apart from our competitors. We are a local company with local employees that are willing to help make this process fast and hassle-free. We feel the home buying and mortgage process should be a fun
(503) 744-5770 Lender's profile and map Denali Commercial Mortgage 8754 SE Margie Way, Happy Valley, OR, 97086 Lends in Oregon Our goal is to secure the financing you need as simply as possible. Our longstanding partnerships also allow us to navigate the options on behalf of our clients, and then suggest the best loan or lease. Because we know precisely what documentation each lender requires, we can help each client gather exactly the right information.
(503) 210-2477 Lender's profile and map Machinists-Boilermakers Federal Credit Union 25 Cornell Avenue, Gladstone, OR, 97027 Lends in Oregon Machinists-Boilermakers Federal Credit Union traces its roots back to 1961. Machinists-Boilermakers Federal Credit Union is a member owned financial institution where members save and borrow. Your credit union is a not-for-profit organization where earnings are returned to members through dividends and by new services.
(503) 239-5336 Lender's profile and map Oregonians Credit Union 6915 SE Lake Rd, Milwaukie, OR, 97267 Lends in Oregon We offer many of the same banking products and services as big banks, like checking and savings accounts, mortgages and car loans; but we offer a better way to bank. If you're not receiving great service from your bank, we hope you'll vote with your feet and bank with us instead.
(503) 653-4392 Lender's profile and map Cutting Edge Federal Credit Union 4620 SE International Way, Suite 105, Milwaukie, OR, 97222 Lends in Oregon Cutting Edge Federal Credit Union was originally chartered in 1953 by ten volunteers who believed that a credit union would benefit the employees of Chipper Chain. After starting as Chipper Chain FCU, our name has changed, first to Omark FCU, then Blount FCU before becoming Cutting Edge FCU in 2002.
(503) 462-3000 Lender's profile and map Reliable Credit Association Inc. 10690 SE McLoughlin Blvd, Milwaukie, OR, 97222 Lends in Oregon Reliable Credit Association, Inc. is an independently owned and operated consumer finance company. We were incorporated in 1958 under the laws of the state of Oregon when a retired U.S. Army Captain founded the company with the support of his father, mother, and wife. In 1994, the shareholders of Reliable Credit Association, Inc.
(503) 760-5304 Lender's profile and map NW Priority Credit Union 12630 SE Division, Portland, OR, 97236 Lends in Oregon NW Priority Credit Union is strongly committed to the Credit Union philosophy of "People Helping People." With branches located throughout the Portland metro area and in Vancouver, WA. We consistently strive to provide outstanding member service to our members as they are our #1 Priority!
(503) 265-8540 Lender's profile and map Bamboo Mortgage Inc 8333 Southeast Powell Boulevard, Portland, OR, 97266 Lends in Oregon Bamboo Mortgage We believe in face-to-face communication because mortgage finance is complex We are embedded in Jade District in S.E. Portland and have a professional office near Hwy 205. We teach clients to manage their mortgage debt which is more important than simply getting a loan and also We utilize an educational style with our customers