USDA Vs. FHA your options comparison in Lafayette, Yamhill County, OR

For the year 2026, in the county of Yamhill, OR, located at Lafayette, the USDA loan maximum is set at $478,400. Meanwhile, the FHA loan limit for a single-family dwelling is $672,750.

The Lendersa® USDA loan calculator can be utilized to compare the most favorable USDA and FHA rates available today, assessing the income, credit status, reserves, and paperwork necessary for approval. Our sophisticated mortgage calculator presents the USDA, FHA, Conforming, and VA options side by side, facilitating an informed decision about the best program for your specific financial position in .

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2026 Loan Ceilings and Down Payment Criteria in Lafayette, County of Yamhill, OR

Type of Loan Maximum Loan Down Payment Required
USDA $478,400 0%
FHA $672,750 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loan Choices in Lafayette, OR

The pursuit of Lendersa® is to efficiently provide you with the most advantageous USDA or FHA loan without inconvenience. Choose from three pathways to connect with lenders and relevant USDA loan options.

  1. Submit a comprehensive request for USDA/FHA loan optimization
  2. Identify USDA and FHA rates & conditions initially
  3. Access the largest repository of USDA loan lenders
Illustrative image of Lendersa USDA loan requests and matching results

Understanding USDA Loans in OR

A USDA home loan is a government-endorsed loan provided by the Department of Agriculture, often known as a USDA rural development loan or USDA mortgage. It is specifically designed for rural areas and, unlike FHA loans that require a down payment of at least 3.5%, USDA loans do not need a down payment.

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  • NorthStar Bank
  • 2202 Central Ave, Estherville, IA, 51334

  • Our bank is a locally owned and managed independent bank whose focus is to work hard to serve your financial services needs. Our goal is to assist you as you pursue your goals and dreams. We strive to serve you the way we would like to be served. This has been the focus of our bank's founders.

  • The Bank of Steinauer
  • 215 Main St, Steinauer, NE, 68441

  • The Bank of Steinauer was established in 1888, but was not expected to transact much business. However, it soon became an essential part of the community, and needed to be properly organized and equipped with experienced help. Because of his advanced age, Joseph put his son, John, in charge of the bank as cashier.

  • The First National Bank of Cokato
  • 365 Broadway Ave S, Cokato, MN, 55321

  • The First National Bank of Cokato (formerly known as Citizens State Bank) opened for business November 2, 1916 with total assets of $970.62. In 1920 a new bank site was purchased and the bank moved into its new quarters in July, 1923. First National Bank has enjoyed the privilege.

  • The First National Bank of Hope
  • 112 N Main Street, Hope, KS, 67451

  • The First National Bank of Hope is a lengthy one. With almost 100 years of assisting our customers, we take pride in how we have grown in the communities we support.

    1922 - The State Bank of Hope was sold to the Peoples State Bank
    1923 - The Peoples State Bank was converted into a National Banking Charter named The First National Bank of Hop

  • The Tampa State Bank
  • 326 North Main Street, Tampa, KS, 67483

  • The Tampa State Bank is a branch office of The Tampa State Bank. They provide the following services: Full Service Office Location and are located at 326 North Main Street in Tampa Kansas.
    Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website

  • First National Bank in Frankfort
  • 124 N. Kansas, Frankfort, KS, 66427

  • FNB in Frankfort is in its fourth generation of banking. In 1921, James Kennedy helped charter the organization and became its first president. FNB has survived the Great Depression; the 1980’s and has a great start to the 21st century. The prosperity of our organization has followed the prosperity of our community.

  • First Community Bank
  • 201 W Main Street, Silver Lake, MN, 55381

  • First Community Bank is interested in the financial wellbeing of our valued customers. Listening to your needs is the first step in supporting and guiding your financial success. Our caring and knowledgeable staff are here to listen and recommend quality financial products and services to help you reach your goals.

  • Glenwood State Bank IA
  • 32 North Walnut Street, Glenwood, IA, 51534

  • Glenwood State Bank is a family owned bank that has been proudly serving Southwest Iowa since 1899. Our guiding principle is to develop strong relationships with our customers that last for generations while being an integral piece of our communities to help them prosper and grow.

  • Treynor State Bank
  • 15 East Main Street, Treynor, IA, 51575

  • TS Bank we are all about community prosperity and much of this vision has helped to attract and retain talented and committed employees. Due to our Chairman of the Board, Mick Guttau's military experience, one of the concepts implemented at the bank was "the troops come first."​ Mick has a famous quote which really exemplifies the entire culture
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