USDA Vs. FHA your options comparison in Waldport, Lincoln County, OR

In 2025, the USDA loan limit for Waldport, in the county of Lincoln, located in OR, is $336,500. Meanwhile, the FHA limit stands at $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to compare the current leading USDA and FHA rates. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator offers a comparative view of USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Waldport, County of Lincoln, OR

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

Examining USDA and FHA Loan Choices in Waldport, OR

At Lendersa®, our mission is to secure you the best USDA or FHA loans quickly and with minimal hassle. Choose one of three starting options that connect you with matching lenders and explore USDA loan programs.

Depiction of Lendersa USDA loan requests and matching outcomes

Defining USDA Loans in OR

A USDA home loan, backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which demand a minimum 3.5% down payment, USDA loans require no down payment, offering a more accessible option.

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



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  • We provide mortgage financing services to clients who are looking for someone to help negotiate today's challenging home loan marketplace. Whether you’re in Seattle, Ohio, or anywhere else in the great fifty. If you’re looking to purchase, refinance, simply check rates, or plan an amazing future, our mortgage experts can do it all.
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  • Peak Mortgage Partners! We are a Pacific Northwest mortgage broker and mortgage banker based in Issaquah, WA with licenses in the states of Washington, Oregon, and Idaho. We specialize in purchase loans and refinance of existing mortgages. We provide financing for other government programs such as FHA, VA, and USDA .
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  • Pacific Northwest Capital Partners is a Private Real Estate Lender Specializing in Hard Money, Bridge Loans, Secured by Commercial and Residential Investment Real Estate.We offer quick no-nonsense decisions based on the equity in any given property. Pacific Northwest Capital Partners is a local Seattle Company since 1998.
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  • 14205 S.E. 36th Street, Suite 350, Bellevue, WA, 98006
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  • Best Mortgage
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  • BestMortgage.com went online in 1995 as one of the very first mortgage company websites in the entire country. We have always been way ahead of the competition. From the very beginning, the hallmark of Best Mortgage® has been "Honest Advice You Can Trust"®. We provide informational mortgage consulations WITHOUT a high pressure- sales pitch.