USDA Vs. FHA your options comparison in Oakridge, Lane County, OR

In 2025, the USDA loan limit in Oakridge, situated in Lane county, OR, is $336,500. In comparison, the FHA limit for a single-family home is $481,850.

Utilize the Lendersa® USDA loan calculator to effectively compare today's best rates for USDA versus FHA loans. Determine the income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in selecting the optimal financial program in for your needs.

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2025 Loan Limits and Required Down Payments in Oakridge, County of Lane, OR

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $481,850 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Oakridge, OR

The aim of Lendersa® is to provide you with the top USDA or FHA loans quickly and without hassle. Choose from one of three starting points that lead to matching lenders and access to USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in OR

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

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



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