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$275,665$352,950$426,625$530,150
BENTONCORVALLIS, OR$323,150$413,700$500,050$621,450
CLACKAMASPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100
CLATSOPASTORIA, OR$281,750$360,700$436,000$541,800
COLUMBIAPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100
COOSCOOS BAY, OR$275,665$352,950$426,625$530,150
CROOKPRINEVILLE, OR$275,665$352,950$426,625$530,150
CURRYBROOKINGS, OR$327,750$419,550$507,150$630,300
DESCHUTESBEND-REDMOND, OR$342,700$438,700$530,300$659,050
DOUGLASROSEBURG, OR$275,665$352,950$426,625$530,150
GILLIAMNON-METRO$275,665$352,950$426,625$530,150
GRANTNON-METRO$275,665$352,950$426,625$530,150
HARNEYNON-METRO$275,665$352,950$426,625$530,150
HOOD RIVERHOOD RIVER, OR$391,000$500,550$605,050$751,900
JACKSONMEDFORD, OR$280,600$359,200$434,200$539,600
JEFFERSONNON-METRO$275,665$352,950$426,625$530,150
JOSEPHINEGRANTS PASS, OR$275,665$352,950$426,625$530,150
KLAMATHKLAMATH FALLS, OR$275,665$352,950$426,625$530,150
LAKENON-METRO$275,665$352,950$426,625$530,150
LANEEUGENE, OR$275,665$352,950$426,625$530,150
LINCOLNNEWPORT, OR$276,000$353,300$427,100$530,750
LINNALBANY, OR$275,665$352,950$426,625$530,150
MALHEURONTARIO, OR-ID$275,665$352,950$426,625$530,150
MARIONSALEM, OR$275,665$352,950$426,625$530,150
MORROWHERMISTON-PENDLETON, OR$275,665$352,950$426,625$530,150
MULTNOMAHPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100
POLKSALEM, OR$275,665$352,950$426,625$530,150
SHERMANNON-METRO$275,665$352,950$426,625$530,150
TILLAMOOKNON-METRO$287,500$368,050$444,900$552,900
UMATILLAHERMISTON-PENDLETON, OR$275,665$352,950$426,625$530,150
UNIONLA GRANDE, OR$275,665$352,950$426,625$530,150
WALLOWANON-METRO$275,665$352,950$426,625$530,150
WASCOTHE DALLES, OR$275,665$352,950$426,625$530,150
WASHINGTONPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100
WHEELERNON-METRO$275,665$352,950$426,625$530,150
YAMHILLPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100

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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