As of 2026, the USDA loan ceiling in Ontario, located in Malheur, OR, is $336,500, whereas the FHA cap for a single-family residence is $472,030.
Employ the Lendersa® USDA loan calculator to compare the current top USDA to FHA rates, and identify the qualifying income, credit score, reserves, and necessary paperwork. Through our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side-by-side to determine which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to quickly secure the best USDA or FHA loan hassle-free. Choose one path from three starting points to connect with lenders and discover USDA loan opportunities.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. FHA loans require at least a 3.5% down payment, but USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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