USDA Vs. FHA Pro and Con comparison in Philomath, Benton County, OR
In 2025, the USDA loan limit for Philomath, located in Benton, OR, is $386,400. Meanwhile, the FHA limit for a single-family home is $560,050.
The Lendersa® USDA loan calculator can help you compare today's ideal USDA vs. FHA rates, and determine the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program in suited to your financial situation.
2025 Loan Limits and Downpayment Requirements in Philomath, Benton County, OR
Loan Type
Loan Limit
Down Payment
USDA
$386,400
0%
FHA
$560,050
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Philomath, OR
Lendersa® is dedicated to securing the optimal USDA or FHA loan for you quickly and effortlessly. Start by selecting one of these three options to connect with matching lenders and explore USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is available only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.
Apartment Loan Store, a division of Business Loan Store(link is external), is a Commercial Mortgage Banking and Advisory Firm since 1997. We are members of the Mortgage Bankers Association and lend in all 50 states. Our funds come from Fannie Mae, Freddie Mac, HUD, Life Companies, Capital Markets, Mortgage Backed Securities, Hedge Funds, Pension F
Full Spectrum Capital is a boutique mortgage brokerage dedicated to providing an array of loan options, competitive rates, a streamline process and truly understanding your overall situation. We have developed relationships with a large network of lenders which provides you with specially catered loan options to fit your specific situation.
Green Family Mortgage LLC We offer one-to-one counseling, support, and top-notch customer service. If you are calling or emailing us, you'll be talking directly to an experienced loan officer. No automated operators or customer service representatives giving you the run around here.
PNWFCU is a friendly credit union on a mission to be Your Financial Partner for Life. Since 1942, we’ve been putting people before profits, looking for ways to give back to our members & serve our community. Persons who live, work, worship or attend school in & businesses & other legal entities located in these counties are eligible to join PNWFCU.
7505 NE Ambassador Place, Suite A, Portland, OR, 97220
KaiPerm NW Credit Union serves the entire Kaiser Permanente Northwest Region family. The credit union is a not-for-profit financial cooperative. Our mission is to help members get ahead financially by improving their financial health and personal well-being. The credit union’s membership closely mirrors Kaiser Permanente.
11620 NE Ainsworth Circle, Suite 400, Portland, OR, 97220
Ironworkers USA Federal Credit Union is dedicated to promoting community development in all of the areas it conducts business and to provide affordable financial services to low-income people. In doing so, we will help them build assets and achieve financial stability. As a Financial Cooperative, We are Owned and Operated by Our Members.
9600 NE Cascades Pkwy, Suite 250, Portland, OR, 97220
CU Business Group provides business lending, deposit and consulting services to credit unions nationwide. As the largest business services CUSO in the industry, CU Business Group serves more than 627 credit unions in 48 states, providing products and technical expertise to help credit unions plan
Agape Mortgages Inc George and his team will treat you with the respect as an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you.
We are dedicated to finding the best loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond.
