USDA Loan Vs. FHA loan pro & con Portland, Multnomah County, OR

In the year 2026, the USDA loan ceiling in Portland, located in the county of Multnomah, OR, is designated as $478,400, whereas the FHA limit for a single-family home is $672,750.

Take advantage of the Lendersa® USDA loan calculator to compare the premier rates between USDA and FHA loans today. This tool helps in determining the necessary income, credit, reserves, and required documents for eligibility. Our advanced mortgage calculator also provides a side-by-side view of USDA, FHA, Conforming, and VA lending options, guiding you to select the most suitable program for your specific financial situation in .

Exploring USDA and FHA Loan Options in Portland, OR

Lendersa® aims to efficiently secure the most favorable USDA or FHA loans for you, quickly and with minimal hassle. Begin by choosing one of three distinct starting points designed to connect you with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in OR

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is insured by the government through the Department of Agriculture. It is exclusively for rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA mortgages require no down payment.

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Portland Lenders
(503) 220-2592 Lender's profile and map Trailhead Credit Union 221 NW Second Avenue, Suite 100, Portland, OR, 97209 Lends in Oregon Trailhead Federal Credit Union was founded in 1935 when eleven employees from Portland Gas and Coke decided to pool their money to form a financial cooperative. These founding members encouraged other gas company employees to deposit their money into the Credit Union so that their co-workers who needed to borrow, could do so at a reasonable rate.
(503) 223-9306 Lender's profile and map Portland Local 8 Federal Credit Union 2435 NW Front Avenue, Suite A, Portland, OR, 97209 Lends in Oregon At Portland Local 8 Federal Credit Union we offer personalized financial service to our family of credit union members. Our mission is to provide a welcoming atmosphere while striving to become our members’ primary financial institution. We offer competitive loan rates and dividends on deposits and will continue to evaluate and expand our services.
(503) 481-8666 Lender's profile and map Principal Mortgage Group Inc 2120 Northwest 16th Avenue, Portland, OR, 97209 Lends in Oregon We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate
(503) 282-3500 Lender's profile and map Plum Tree Mortgage Inc D\|B\|A Portland Mortgage 1126 Northwest Marshall Street, Portland, OR, 97209 Lends in Oregon Plum Tree Mortgage Inc help customers select mortgage products. We manage the process for individuals, institutions, trusts, partnerships and other clients in the purchase, refinance and equity-access of real estate. Because Plum Tree is involved in the mortgage transaction from the beginning.
(503) 228-7077 Lender's profile and map On Point Mortgage PO Box 3750, Portland, OR, 97208 Lends in Oregon OnPoint Community Credit Union had modest beginnings in 1932: just 16 members and a total investment of $36. But, how we became the largest community-owned financial institution in Oregon, branching into Southwest Washington, is no accident. Our team is dedicated to making our members’ financial dreams a reality.
(503) 275-0300 Lender's profile and map Forrit Credit Union 95 SW Taylor Street, Portland, OR, 97204 Lends in Oregon Forrit Credit Union was created in 1936 as Portland Federal Employee’s Credit Union. 45 founding members came together with the credit union philosophy of ‘people helping people’ to form a financial cooperative that could help provide them with personalized banking solutions. The resulting credit union’s mission — Forward Together.
(503) 457-6926 Lender's profile and map Team Swan 310 Southwest 4th Ave, 300B, Portland, OR, 97204 Lends in Oregon Team Swan is the destination for people to become homeowners. It is our mission to be the leading lender to provide families homes where they can create memories and share ideas. We want to help make people's dreams a reality by providing the security of a home for all families. All we need to do is put an address to your dream.
(503) 445-9525 Lender's profile and map Capital M Lending, LLC 209 SW Oak Street, Suite 200, Portland, OR, 97204 Lends in Oregon Capital M Lending is committed to providing ethical, honest and straightforward advice to our clients. Our financial professionals have the utmost integrity. They have the ethics, core values, and experience that meet Capital M Lending’s strict requirements Because we deeply respect our customers and value the work we do.
(503) 966-9255 Lender's profile and map Lumen Mortgage Corporation 920 SW 6th Ave, Suite 1200, Portland, OR, 97204 Lends in Oregon At Lumen Mortgage we incorporate innovative technologies that increase efficiency, protect customer information & boost communication.We provide real-time updates that keep our customers & business partners informed from pre-qualification through funding.Lumen Mortgage allows Oregon homeowners & homebuyers to view LIVE rates & prices.
503-489-2323 Lender's profile and map Downtown Development Group LLC 920 SW 6th Ave Suite 223, Portland, OR, 97204 Lends in Oregon Downtown Development Group LLC and its affiliates have an ownership interest in more than 1,500,000 square feet of residential, industrial, retail, and office space within the Central Business District. The company is owned by the Goodman Family who have been investing in Portland.