USDA Vs. FHA your options comparison in 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 .
2026 Loan Limits and Downpayment Details in Portland, County of Multnomah, OR
Type of Loan
Maximum Limit
Initial Down Payment
USDA
$478,400
0%
FHA
$672,750
3.5%
Conventional Conforming
$726,200
3%
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.
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.
5465 Mills Civic Parkway, Suite 201, West Des Moines, IA, 50266
Conterra has lending offices through out the United States. We have relationship managers and credit teams available in your region and ready to hear your story. Find an Ag lender in your region to get personal service and financing that tailors to your unique operation.Conterra’s staff of seasoned.
177 S. Jordan Creek Pkwy, West Des Moines, IA, 50266
Fidelity Bank is a locally owned, locally managed community bank in Iowa. With a commitment to providing our customers with the banking services and support they need; Fidelity Bank offers a variety of banking and lending options.
Fidelity Bank is on LinkedIn to celebrate our team members.
1150 Jordan Creek Pkwy, West Des Moines, IA, 50266
With over 25 locations in 22 communities across the state, Bank Iowa offers the services of a large financial institution, but operates as a community bank in which decisions are made locally. The Bank Iowa locations are affiliates of Bank Iowa Corporation, a privately owned bank holding company headquartered in West Des Moines, Iowa.
American Equity Investment Life Insurance Company®
6000 Westown Parkway, West Des Moines, IA, 50266
An American-owned and operated company headquartered in the heart of the Midwest, American Equity Investment Life Insurance Company® is a leader in the fixed indexed annuities marketplace. American Equity’s growth and success is attributed to our dedication to excellent customer service and emphasis on building customer relationships.
Financial Plus Credit Union is a full service financial institution which is cooperative in structure and serves the community of Des Moines, Iowa.We are in the business of improving the financial lives of our member/owners. Each account holder is an owner and is rewarded with personal service, the best rates and life stage products.
At HomeServices Lending, you can choose from wide range of home financing options including conventional conforming, fixed rate and adjustable rate, FHA and VA loans, jumbo financing, investment property financing, refinancing and renovation loans. Our mission is to provide credit-worthy customers
1501 42nd St, Suite 465, West Des Moines, IA, 50266
Summit Mortgage is changing the way homebuyers view and experience the mortgage lending process. In today’s technology-driven world, it’s easy to end up as another piece of data in an automated system. But we think homebuyers deserve better. That’s why we’ll provide you with personalized service, complete transparency
Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.
The credit union was started in 1933 and we’re member-owned not-for-profit financial cooperative which allows us to pass on lower loan rates and higher dividends to our member-owners. You qualify for membership at Midland Credit Union if you live or work in Polk or a contiguous county; Adair, Adams, Audubon, Boone, Cass.
With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.
FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,
