USDA Vs. FHA Pro and Con comparison in Seaside, Clatsop County, OR

In 2025, USDA loan limit in Seaside, county of Clatsop, OR is $349,600 while FHA limit is $529,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Seaside, county of Clatsop, OR

Loan Type Loan Limit Down payment
USDA $349,600 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Seaside, OR

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Oregon?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Advanced Lending Solutions Co. LLC
  • 700 Milam Street, Suite 13010, Houston, TX, 77002
  • 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.
  • Urban Mutual
  • 2007 Commerce Street, Suite 200, Houston, CA, 77002
  • Urban Mutual is a boutique Private Equity and Corporate Advisory Investment Firm representing family office and institutional money. Urban Mutual's mandate is to provide innovative and secure, turn-key 100% LTV/LTC funding solutions to the real estate development and construction industry.
  • PIE Credit Union
  • 12320 Main Street, Houston, TX, 77035
  • In December 1971, P.I.E. Credit Union was chartered by the State of Texas as Waukesha-Pearce Industries Employees Credit Union serving only the employees of that company. In June 1979, the charter was changed to incorporate all subsidiaries of Pearce Industries and all family members of those employees.
  • ZAPA Mortgage Inc
  • 5326 West Bellfort Street, Suite 109, Houston, TX, 77035
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
  • Dividend Mortgage
  • 6204 Lovers Lane, Portage, MI, 49002
  • Our ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. The Dividend Mortgage name is trusted throughout the community.
  • BCM Federal Credit Union
  • 1 Baylor Plaza, Houston, TX, 77030
  • The Baylor College of Medicine Federal Credit Union is a member owned, not-for-profit credit cooperative led by unpaid volunteers who are democratically elected from its membership. Our mission is to deliver the highest quality financial services and education to our members and encourage thrift.
  • Bayou City Federal Credit Union
  • 6414 Fannin Street, Suite G50, Houston, TX, 77030
  • Bayou City Federal Credit Union has been open since 1980. The credit union has assets totaling $29.56 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to healthcare services employees.
  • First State Bank of Odem
  • 201 Main Street, Odem, TX, 78370
  • First State Bank of Odem was established in 1945, by a group of local business men. For the last 75 years we have been serving San Patricio and Northwest Nueces County with "Home Town Banking". First State Bank of Odem is a Locally Owned Independent Community Bank, committed to providing our customer with High Quality, Friendly Customer Service.
  • Empowerment Community Development Federal Credit Union
  • 6011 West Orem, Houston, TX, 77085
  • Empowerment Community Development Federal Credit Union (ECDFCU) is a non-profit organization cooperative association organized for the purpose o f promoting thrift among its members and creating a source of credit for provident and productive purposes. As a non-profit organization the credit union is committed to providing members
  • Sutton Residential & Commercial
  • 2111 Highway 90-A, Suite A, Missouri City, TX, 77489
  • Sutton Residential and Commercial Mortgage, LLC is a locally owned premiere brokering firm with in-house processing, Competitive rates, a wide selection of mortgage products, and world class customer service keeps satisfied customers returning time after time. We strive to be more than your lender for life.