What are FHA Loan Limits in Oregon?

FHA loans are a low down payment mortgage program and Oregon FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Oregon are set at the floor amount of $275,665 across almost the entire state.

Oregon FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
BAKERNON-METRO$331,760$424,800$513,450$638,100
BENTONCORVALLIS, OR$402,500$515,250$622,850$774,050
CLACKAMASPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350
CLATSOPASTORIA, OR$345,000$441,650$533,850$663,450
COLUMBIAPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350
COOSCOOS BAY, OR$331,760$424,800$513,450$638,100
CROOKPRINEVILLE, OR$331,760$424,800$513,450$638,100
CURRYBROOKINGS, OR$331,760$424,800$513,450$638,100
DESCHUTESBEND, OR$431,250$552,050$667,350$829,350
DOUGLASROSEBURG, OR$331,760$424,800$513,450$638,100
GILLIAMNON-METRO$331,760$424,800$513,450$638,100
GRANTNON-METRO$331,760$424,800$513,450$638,100
HARNEYNON-METRO$331,760$424,800$513,450$638,100
HOOD RIVERHOOD RIVER, OR$477,250$610,950$738,500$917,800
JACKSONMEDFORD, OR$333,500$426,950$516,050$641,350
JEFFERSONNON-METRO$331,760$424,800$513,450$638,100
JOSEPHINEGRANTS PASS, OR$331,760$424,800$513,450$638,100
KLAMATHKLAMATH FALLS, OR$331,760$424,800$513,450$638,100
LAKENON-METRO$331,760$424,800$513,450$638,100
LANEEUGENE-SPRINGFIELD, OR$331,760$424,800$513,450$638,100
LINCOLNNEWPORT, OR$331,760$424,800$513,450$638,100
LINNALBANY-LEBANON, OR$331,760$424,800$513,450$638,100
MALHEURONTARIO, OR-ID$331,760$424,800$513,450$638,100
MARIONSALEM, OR$342,700$438,700$530,300$659,050
MORROWHERMISTON-PENDLETON, OR$331,760$424,800$513,450$638,100
MULTNOMAHPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350
POLKSALEM, OR$342,700$438,700$530,300$659,050
SHERMANNON-METRO$331,760$424,800$513,450$638,100
TILLAMOOKNON-METRO$331,760$424,800$513,450$638,100
UMATILLAHERMISTON-PENDLETON, OR$331,760$424,800$513,450$638,100
UNIONLA GRANDE, OR$331,760$424,800$513,450$638,100
WALLOWANON-METRO$331,760$424,800$513,450$638,100
WASCOTHE DALLES, OR$331,760$424,800$513,450$638,100
WASHINGTONPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350
WHEELERNON-METRO$331,760$424,800$513,450$638,100
YAMHILLPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350

Oregon FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Oregon FHA Limits Set?

Oregon FHA Loan LimitsMortgage limits for Oregon FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Oregon FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Oregon is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Oregon is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Oregon FHA loan limits are set above the nationwide floor amount in Portland, Eugene, Salem and more. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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