In 2026, the USDA loan limit for Lake-Oswego residing in Clackamas County, within OR, is $414,000, whereas the FHA limit for a single-family residence is $517,500.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. It’s designed to help you figure out the income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, assisting in deciding which option in best fits your specific financial circumstances.
2026 Loan Limits and Downpayment Requirements in Lake-Oswego, County of Clackamas, OR
Loan Type
Loan Limit
Down Payment
USDA
$414,000
0%
FHA
$517,500
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Choices in Lake-Oswego, OR
Lendersa® aims to quickly secure the best USDA or FHA loans for you, reducing any inconvenience. Initiate one of three tailored approaches to connect with lenders and discover suitable USDA loan programs.
The USDA home loan, fully guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically available in rural areas. A notable distinction from FHA loans, which need at least a 3.5% down payment, is that USDA loans require none, offering a significant advantage for those eligible.
Community Financial Corporation offers lending solutions for short-term construction and lot/land acquisition and development for builders in Oregon and Southwest Washington.
We take pride in our reassuring, low-key approach to help you find the best loan for your needs. Community Financial makes local decisions regarding loan approvals.
415 State Street, Suite 190, Lake Oswego, OR, 97034
Lends in Oregon
Avelloe was founded by David Feathers, a mortgage professional since 1988, on the principals of effective communication, education, and a “do the right thing no matter the cost” attitude. As a truly independent Mortgage Broker, Avelloe has access to multiple funding sources, not just one underwriting platform.
4000 Kruse Way Pl, Bldg 3, Suite 120, Lake Oswego, OR, 97034
Lends in Oregon
Newland Mortgage was founded on principles of education, information and transparency. As a full service Independent Mortgage Broker we have the ability to shop the best wholesale lenders in the country to find the most competitive rates and options. Our goal is to be the premier mortgage broker in the Portland market.
5200 SW Meadows Road, Ste 150, Lake Oswego, OR, 97035
Lends in Oregon
MMTC offers quick closings (3-5 days in many cases), practical underwriting for investors, and lends on a variety of property types and conditions. We can close in entities or an individual’s name, and advance repair draws rather than reimbursing clients. Up to 90% of purchase price plus 90% of repairs. We also offer other creative products not co
5335 Meadows Rd, Suite 380, Lake Oswego, OR, 97035
Lends in Oregon
Clunas Funding Group Inc. is a licensed mortgage broker in Lake Oswego, Oregon specializing in hard money loans. We provide quick access to capital for borrowers, real estate agents and mortgage brokers in Oregon, Washington and California. CFG is a collateral-based lender focusing on bridge loans, fix and flip or rehab loans and commercial loans.
Select Lending Services mortgage you use to finance your home influences how much you need for the down payment, whether or not you will need mortgage insurance, and how long it will take you to pay off your loan and the best way to find out what mortgage is best for your home purchase is to get preapproved with a Select Lending Services.
16552 Boones Ferry Rd, Suite 3, Lake Oswego, OR, 97035
Lends in Oregon
Oswego Mortgage is not your average mortgage company. When you come in our office you will not find fancy suites and shinny cufflinks, rather you will be greeted by our enthusiastic team members that will soon become your friends. Our experienced professional team is made up Oregonians just like you.
Norris, Beggs & Simpson Financial Services is a leader in mortgage servicing. Our team manages a loan portfolio backed by office, retail, industrial, multifamily and hotel properties. NBS loan servicers act as an interface between borrowers and lenders to keep loans on track for performance.
IGR Mortgage Services is one of the most experienced providers of hard money loans on the West Coast. Our hard money lending services have helped real estate investors, builders, business owners and all types of property owners for over 30 years. Many of our loan programs are now offered in states across the country.
5285 Meadows Rd, Suite 161, Lake Oswego, OR, 97035
Lends in Oregon
VergePointe is built around the concept that in addition to being professionals, we have also successfully invested in businesses and real estate ourselves. With that background, along with our professional certifications and experience, we work as hard as possible to help our clients achieve their goals.
