USDA Vs. FHA your options comparison in Myrtle-Creek, Douglas County, OR

In 2025, the USDA loan limit in Myrtle-Creek, located in the county of Douglas, OR, is $285,000. Meanwhile, the FHA limit is $356,362 for a single-family home.

To compare today's leading USDA and FHA rates, use the Lendersa® USDA loan calculator. This tool helps determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, aiding in deciding which program in best suits your financial situation.

Explore loan offers from 100 lenders

Loan Limits and Downpayment Guidelines for 2025 in Myrtle-Creek, County of Douglas, OR

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Available Options for USDA and FHA Loans in Myrtle-Creek, OR

The mission of Lendersa® is to provide you with the best possible USDA or FHA loans quickly and without hassle. Start with one of three approaches that will guide you to matching lenders and optimal USDA loan programs.

Image of Lendersa USDA loan requests and results

Understanding USDA Loans in OR

A USDA home loan, guaranteed by the Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, enhancing accessibility.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Dorman Team
  • 310 29th St NE, Suite 200, Puyallup, WA, 98372
  • After having multiple bad experiences in getting a home loan, Mike Dorman decided there is a better way to help clients obtain financing. Old fashioned customer service, communication and attention to detail have allowed The Dorman Team the honor of helping thousands of clients purchase or refinance their home loan
  • Sutter Buttes Real Estate
  • 444 Colusa Avenue, Suite B, Yuba City, CA, 95991
  • Sutter Buttes Real Estate is a boutique brokerage located in Yuba City, CA. Founded by Sarah Norris; the team of top agents has the experience and customer service skills that will prove valuable to both buyers and sellers.brokerage located in Yuba City, CA. Founded by Sarah Norris; the team of top agents has the experience
  • RC Advantage
  • 698 Whiting St, Suite B, Grass Valley, CA, 95945
  • RC Advantage offers refinance and purchase transactions with the best possible financing. We are a licensed California mortgage lender, and pride ourselves in offering real estate purchasers and refinancers the best financing terms available. #1665027vantage offers refinance and purchase transactions with the best possible financing.
  • Nevada County Mortgage
  • 426 Sutton Way, Suite 114, Grass Valley, CA, 95945
  • We know that each client has unique goals and financial objectives. For this reason, we take the time to provide detailed information and guidance to help our clients navigate through the somewhat confusing loan application process. We take pride in being a part of your home-buying team and will always take the approach
  • Olympia Mortgage & Investment Co., Inc.
  • 1740 E. Main Street, Suite 102, Grass Valley, CA, 95945
  • Olympia Mortgage and Investment Company, Inc. is a premier lending institution and investment company specializing in mortgage loans secured by California real estate funded by private investors.Olympia Mortgage and Investment Company, Inc. provides the finest in long and short-term financing balancing needs of both borrower and investor.
  • Tacoma Longshoremen Credit Union
  • 3602 Alexander Avenue, Tacoma, WA, 98424
  • The Tacoma Longshoremen Credit Union is a member-owned financial institution whose purpose is to meet its member's financial needs and promote the financial well-being of its members by providing them with financial services in a friendly and considerate manner. and The Tacoma Longshoremen Credit Union is a not for profit.
  • Penny Lane Financial
  • 1804 W Union Ave, Suite 202, Tacoma, WA, 98405
  • Penny Lane Financial we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use common sense in consulting with you to obtain the best loan possible for your personal unique needs. We provide top-tier quality rates from a wide range of A-rated lenders.
  • Gesa Credit Union
  • 51 Gage Blvd, Richland, WA, 99352
  • Gesa became a community-chartered credit union and opened its membership range to everyone in Washington, the credit union experienced explosive growth. From inception, consumers embraced the value of banking with a not-for-profit cooperative. Gesa has grown to twenty-seven locations throughout the state.