USDA and FHA Pro and Con in Happy-Valley, Clackamas County, 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.
2026 Loan Maximums and Down Payment Criteria in Happy-Valley, county of Clackamas, OR
Loan Type
Loan Limit
Down Payment
USDA
$414,000
0%
FHA
$517,500
3.5%
Conventional Conforming
$548,250
3%
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.
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.
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.
10117 SE Sunnyside Road, Suite 405, Clackamas, OR, 97015
Lends in Oregon
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
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.
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
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.
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.
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.
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.
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.
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!
