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The Federal Housing Administration (FHA) loan program offers several benefits for borrowers, including a down payment as low as 3.5%. But there are some size restrictions you should be aware of. Here’s an updated look at Oregon FHA loan limits for 2026.
2026 | Portland County | 1-Unit (Single Family)
* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020. Lenders may impose their own limits, however. Ask your lender about their maximum VA loan amount before applying.The FHA loan limits for Oregon have just been released for 2026. What is the new loan limit, and how will that impact your home buying process?
The Federal Housing Administration (FHA) loan program offers several benefits for borrowers, including a down payment as low as 3.5%. But there are some size restrictions you should be aware of. Here’s an updated look at Oregon FHA loan limits for 2026.
Oregon FHA loan limits are established by the Department of Housing and Urban Development (HUD) and are based on median home prices. HUD reconsiders the limits every year and sometimes revises them. Below, you will find the 2026 FHA loan limits for all counties in Oregon. They range from $541,287 to $762,450 depending on the county.
Note: In the table below, “1-family” refers to a single-family home or condo. “Two-family” refers to a duplex-style property with two residents, and so on.
Home buyers purchasing a single-family home or condo in the state of Oregon should refer to the 1-family FHA loan limits shown below:
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| BAKER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BENTON | $615,250 | $787,650 | $952,050 | $1,183,200 |
| CLACKAMAS | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| CLATSOP | $563,500 | $721,400 | $872,000 | $1,083,650 |
| COLUMBIA | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| COOS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CROOK | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| CURRY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DESCHUTES | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| DOUGLAS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GILLIAM | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GRANT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HARNEY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HOOD RIVER | $762,450 | $976,100 | $1,179,850 | $1,466,250 |
| JACKSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEFFERSON | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| JOSEPHINE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| KLAMATH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LANE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LINCOLN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LINN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MALHEUR | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MARION | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MORROW | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MULTNOMAH | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| POLK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SHERMAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TILLAMOOK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| UMATILLA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| UNION | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WALLOWA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WASCO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WASHINGTON | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| WHEELER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| YAMHILL | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
In addition to the Oregon FHA loan limits shown above, there are some other requirements you should know about:
This is a basic overview of Oregon FHA loan requirements. If you’d like to know if you’re eligible for this program, please contact our staff.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
FHA loan limits in Oregon define the maximum amount borrowers can receive through an FHA-insured mortgage, based on county home prices.
HUD reviews and adjusts limits annually based on updated median home price data.
Because HUD adjusts each county’s limit to align with its unique housing market.
Yes, FHA loans are ideal for first-time buyers with modest savings or lower credit scores.
Yes, the limit caps your maximum borrowing potential with an FHA-backed loan.
Visit the HUD’s official website and use their FHA Mortgage Limits tool for your county. Or visit Sammamish Mortgage for up-to-date FHA loan limits in your county.
No, limits are updated once annually, usually in December for the following year.
They’re based on 115% of the county’s median home price, subject to HUD’s national floor and ceiling limits.
Yes, larger properties qualify for proportionally higher loan limits.
They’re similar but not identical; conforming limits are set by Fannie Mae and Freddie Mac.
Yes, rising home values can push limits higher in the next annual update.
You can speak with a mortgage advisor from Sammamish Mortgage to get all the information you need about FHA rules in your county, and to find out where you stand with your home purchase and mortgage.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.