USDA Vs. FHA Pro and Con comparison 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.
We're a community based credit union. And while in the old days credit unions were limited in many ways, those days are gone. Open your eyes to a new, better way to bank - with a credit union!
Basically, if you live, work, worship or attend school in these counties - you're in! In Nebraska
FREEDOM LENDING is an industry leader in mortgage lending because we deliver results. Our professionals provide excellent personal service, guaranteed lowest rates and a money management plan that’s tailored to your specific needs. Whether you’re in Iowa, Nebraska or right here in Omaha looking for an FHA mortgage, VA mortgage
The First State Bank of Swanville was chartered on June 17, 1907. The name remains the same and has survived major economic challenges of the great depression and several wars. We have emerged from those challenges and 100 years later we continue in that tradition as we remain financially strong and family owned and operated.
HGE Credit Union was chartered in 1945 as Hutchinson Municipal Employees Credit Union. Originally, only city employees were eligible to become members. Tom Tomlin, firefighter at Fire Station #1 kept CU papers in a cigar box. The charter gives the address as 18-22 East Avenue B, which was the police department and Fire Station #1.
Bell Credit Union has come a long way since 1938. Mrs. Verla Yelton was the first manager of the credit union. Verla and her husband, Lloyd, provided space in their home at 417 E 1st for the credit union office. The office was located there until the mid 1950’s, when it was moved to the 5th floor of the Wiley Building.
First National Bank of Hutchinson is a community bank that offers personal banking, commercial banking and wealth management services. The bank was founded in 1876 and is based in Hutchinson, Kansas. First National Bank of Hutchinson operates as a subsidiary of First Kansas Bancshares, Inc.
Members Mortgage Services connects Credit Unions and their members with competitive mortgage loan products.MMS is owned by a cooperative group of Credit Unions.Together, we are committed to helping our partners & their members with all their home lending needs.Once a home loan is closed, Members Mortgage Services’ support team is easily accessible.
The First National Bank North has served local communities since 1902 and now serves several Minnesota Communities. At First National Bank North, we are invested in the growth and success of the Minnesota Communities we serve. As we continue to grow and provide the newest features to our customers, whether that be e-statements, mobile banking.
Heartland Area Federal Credit Union has been open since 1954. The credit union has assets totaling $22.35 Million and provides banking services to more than 1, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
