USDA and FHA Pro and Con in Roseburg, Douglas County, OR

In 2026, the USDA loan limit set for Roseburg, Douglas County, OR, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the competitive USDA and FHA rates available today. Identify the necessary income, credit, reserves, and documents for qualifying. With our advanced mortgage calculator, you can juxtapose USDA, FHA, Conforming, and VA options side by side, guiding you to select the most fitting program for your financial circumstances in .

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2026 Loan Limits and Downpayment Requirements in Roseburg, Douglas County, OR

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Solutions in Roseburg, OR

The mission of Lendersa® is to efficiently connect you with the best USDA or FHA loan option, minimizing hassle. Start with one of three approaches that align you with the appropriate lenders and USDA loan programs.

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Defining a USDA Loan in OR

A USDA home loan is a government-backed loan by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, a USDA mortgage loan requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Berins Enterprises Inc
  • 1071 County Highway 10, Suite 220, Minneapolis, MN, 55432
  • We are committed to maintaining compliance with all federal and state laws to ensure your data is secure and accurate. Our knowledgeable staff will provide expert guidance through the process to ensure that both buyers and sellers have all the information to make an informed decision.

  • Teamsters Credit Union.
  • 9422 Ulysses Street NE, Suite 140, Blaine, MN, 55434
  • Teamsters Credit Union offers a range of financial accounts including Share Savings, Checking, Money Market, Certificates of Deposit, Holiday Club, and Vacation and we are a member-owned, volunteer directed, not-for-profit cooperative dedicated to improving our members' lives. As a result, deposit accounts generally receive higher dividends

  • US BANK
  • 800 Nicollet Mall, Minneapolis, MN, 55402
  • U.S. Bancorp, with nearly 70, 000 employees and $554 billion in assets as of December 31, 2020, is the parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends its relationship teams, branches and ATM network with digital tools that allow customers to bank.

  • District One Highway Credit Union
  • 3011 N Belt Highway, Suite B, Saint Joseph, MO, 64506
  • District One Highway Credit Union was founded in 1954. An inquiry dated March 13, 1954 was sent to Jim Riegel of the Missouri Credit Union League. His response to this inquiry stated that it would take a minimum of 7 people to sign a charter and someone would need to put up $5 to the Secretary of State.

  • St. Joseph Teachers' Credit Union
  • 2316 Village Drive, Saint Joseph, MO, 64506
  • St. Joseph Teachers’ Credit Union is a not-for-profit financial cooperative, owned, controlled, and operated for the benefit of its members. Since there are no outside stockholders to satisfy, the credit union can return a greater percentage of its income to you, the member-owner, in the form of higher dividend rates on deposits.

  • Postal & Community CU
  • 3921 Oakland Avenue, Saint Joseph, MO, 64506
  • Postal & Community Credit Union have been providing great financial services to Northwest Missouri and Northeast Kansas residents for over 80 years. Postal and Community Credit Union recognizes the importance of a positive experience for everyone who visits our website, including those with disabilities.

  • Advance America
  • 3007 N Belt Hwy, Saint Joseph, MO, 64506
  • Advance America, we believe in better. We believe that setbacks are just opportunities for epic comebacks & we want to help make those comebacks happen.That’s why for the past 23+ years, Advance America has worked to become one of the nation’s leading providers of consumer financial services with online lending and over 1, 200 locations nationwide.

  • Reliable Mortgage Inc
  • 333 Washington Avenue North, Suite 300, Minneapolis, MN, 55401
  • Reliable Mortgage Inc. has maintained a reputation for exceptional service and competitive mortgage financing since 2001. The majority of our business is derived from referrals of past, satisfied clients and real estate agents. As a local business, we utilize market-leading lenders and secure the best loan program at the lowest possible rates.

  • Northport Funding LLC
  • 424 North Washington Avenue, Suite 201, Minneapolis, MN, 55401
  • At NorthPort, we believe a key component to successful business is having a robust set of services that allow our business customers to manage their financing easily and efficiently giving them more time to focus on the important parts of their business by spending less time shopping the mortgage market.

  • WCF Financial Bank
  • 401 Fair Meadow Dr, Webster City, IA, 50595
  • WCF Financial Bank is a locally-committed community bank focused on providing exceptional customer service with quality products and services.
    After 80 years, WCF Financial Bank has built a reputation of being a locally-committed community bank with locations in Webster City and Independence providing exceptional customer service

  • Financial One Credit Union
  • 843 40th Avenue NE, Columbia Heights, MN, 55421
  • Financial One Credit Union is a not-for-profit financial cooperative.We've been guiding our members to financial health since 1933. We listen to each member's life goals & provide financial solutions bringing value to their lives.Financial One Credit Union provides financial services to people who live, work, attend school, worship, or do business.