USDA Vs. FHA Pro and Con comparison in The-Dalles, Wasco County, OR

For 2026, in The-Dalles, located in Wasco county, OR, the USDA loan limit is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate the current best rates between USDA and FHA loans, and determine the necessary income, credit, reserves, and documents to qualify. With our sophisticated mortgage calculator, USDA, FHA, Conforming, and VA options are displayed side by side, aiding in your decision as to which program in best suits your financial situation.

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2026 Loan Limits and Down Payment Requirements in The-Dalles, Wasco, OR

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in The-Dalles, OR

The mission of Lendersa® is to connect you quickly and effortlessly with the best USDA or FHA loan options. Choose from one of three starting points that help bring you to compatible lenders and USDA loan programs.

Lendersa USDA loan request and matched results

Defining USDA Loans in OR

A USDA home loan, backed by the U.S. Department of Agriculture—also referred to as a USDA rural development loan or USDA mortgage—is exclusively available for rural areas. Unlike FHA loans that require a 3.5% down payment minimum, USDA loans demand no down payment at all.

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



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