USDA and FHA Pro and Con in Philomath, Benton County, OR
In 2026, 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.
2026 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.
Benton County Schools Credit Union is an educational employee credit union for the school districts in Benton County, Oregon. BCSCU began operation in 1953 and is still going strong today. Our mission statement is “To provide superior services and quality products in a very personal environment
Knight Financial - A Division of American Pacific Mortgage
385 NW Harrison Blvd, Corvallis, OR, 97330
Lends in Oregon
We are a full service residential mortgage firm delivering elite customer care. We designed our lender list to offer premier traditional and portfolio lending products. We are licensed in OR, WA, CA, ID & NV and have completed over 2, 600 home loans totaling over $800 million in loan volume since our inception in August of 2005.
Oregon State Credit Union, a state-chartered credit union. Since 1954 the credit union has been a member-owned, not-for-profit financial services institution. Earnings are returned to members in the form of competitive financial offerings, more service and convenience. We exist for the benefit of our member-owners, and not to profit from them.
301 Southwest 4th Street, Suite 160, Corvallis, OR, 97333
Lends in Oregon
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
People's Bank was founded in 1998 with the belief that as a locally owned and managed community bank, we could do a better job delivering customized, high quality banking services and products to the Rogue Valley. Our experienced bankers know our community and its people and businesses. Policies and decisions are made locally and in a thoughtful an
Expert Mortgage Group has been offering private mortgages and alternative real estate funding in Oregon since 2008, with more than 600+ privately financed mortgage transactions of all types. Over that time we have seen just about everything there is to see in real estate projects and private lending and we’d love to work with you!
Platinum Mortgage Group is a division of Finance of America Mortgage LLC |Equal Housing Opportunity | NMLS ID #1071 (www.nmlsconsumeraccess.org)| 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5691 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act Questions, comments, concerns.
Central Willamette Credit Union story begins on October 5, 1955, at a mass meeting held under the sponsorship of Local 1141 when initial steps were taken to form a credit union for government employees in Linn County. Employees from the U.S. Bureau of Mines and the Albany and Lebanon.
In 2001, a group of local business owners realized that the unique needs of companies on the Oregon Coast—the fisheries, logging outfits, motels, restaurants, and shops that have always been the backbone of our communities—just weren’t being served well by the big banks. So they decided to build a bank dedicated to supporting the people
IBEW/SJ Cascade Federal Credit Union is a member owned, not for profit financial cooperative that is committed to its members. We are committed to the financial well-being of our membership. We offer a full line of savings & loan products. We offer most services that an individual could get at any other financial institute delivered at a fair cost.
