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By Karl Freund

Updated On

January 12, 2025

2025 FHA Loan Limits for Oregon

County nameSingle FamilyTwo unitsThree unitsFour units
BAKER$524,225$671,200$811,275$1,008,300
BENTON$598,000$765,550$925,350$1,150,000
CLACKAMAS$695,750$890,700$1,076,650$1,338,000
CLATSOP$561,200$718,450$868,400$1,079,250
COLUMBIA$695,750$890,700$1,076,650$1,338,000
COOS$524,225$671,200$811,275$1,008,300
CROOK$524,225$671,200$811,275$1,008,300
CURRY$524,225$671,200$811,275$1,008,300
DESCHUTES$713,000$912,750$1,103,350$1,371,150
DOUGLAS$524,225$671,200$811,275$1,008,300
GILLIAM$524,225$671,200$811,275$1,008,300
GRANT$524,225$671,200$811,275$1,008,300
HARNEY$524,225$671,200$811,275$1,008,300
HOOD RIVER$762,450$976,100$1,179,850$1,466,250
JACKSON$524,225$671,200$811,275$1,008,300
JEFFERSON$524,225$671,200$811,275$1,008,300
JOSEPHINE$524,225$671,200$811,275$1,008,300
KLAMATH$524,225$671,200$811,275$1,008,300
LAKE$524,225$671,200$811,275$1,008,300
LANE$524,225$671,200$811,275$1,008,300
LINCOLN$524,225$671,200$811,275$1,008,300
LINN$524,225$671,200$811,275$1,008,300
MALHEUR$524,225$671,200$811,275$1,008,300
MARION$524,225$671,200$811,275$1,008,300
MORROW$524,225$671,200$811,275$1,008,300
MULTNOMAH$695,750$890,700$1,076,650$1,338,000
POLK$524,225$671,200$811,275$1,008,300
SHERMAN$524,225$671,200$811,275$1,008,300
TILLAMOOK$524,225$671,200$811,275$1,008,300
UMATILLA$524,225$671,200$811,275$1,008,300
UNION$524,225$671,200$811,275$1,008,300
WALLOWA$524,225$671,200$811,275$1,008,300
WASCO$524,225$671,200$811,275$1,008,300
WASHINGTON$695,750$890,700$1,076,650$1,338,000
WHEELER$524,225$671,200$811,275$1,008,300
YAMHILL$695,750$890,700$1,076,650$1,338,000
About Me

Karl Freund is the current CEO of Kenneth James Realty, as well as a licensed loan originator.  He has been in the lending and real estate industry for 25 years and achieved well over $1 Billion in sales.  He is a graduate of St. Bonaventure University in New York, and a current resident of Phoenix, Arizona.

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Legal Disclosures

Representative rates are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. Representative rates are valid as of 05/20/2024 and assume a minimum credit score of 740 and loan-to-value ratio of 80%, except for FHA and VA loans which assume a minimum credit score of 680-739 and loan-to-value ratio of 96.5% and 100%, respectively. The Jumbo loan amount shown exceeds the highest conforming loan limit in most state or city locations for which rates are being provided. Currently, a Jumbo loan exceeds $766,550 for a single-family home in all states (except Hawaii and Alaska, and a few federally designated markets where the limit is $1,149,825). Estimated monthly payment amounts displayed are based upon principal and interest only, and taxes and insurance are not included in this estimate; the actual payment obligation may be greater. Not all borrowers will qualify for these rates. Final loan approval is subject to criteria established by a lender, including satisfactory appraisal, title review, and underwriting determination, among other criteria. Rates subject to change without notice. Restrictions apply. 

NOTE: Mortgage rate trends are based on historical rate data and the inputs that you select. Changes to inputs will affect the rate trends shown. Mortgage rate trends displayed are for informational purposes only and represent rate trends over time and are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only.

Mortgage rates are displayed through Zillow Group Marketplace, Inc. (“ZGMI”) a licensed mortgage broker, NMLS #1303160. Zillow Group Marketplace, Inc. does not make loans and this is not a commitment to lend. See current list of state licenses and disclosures here. Please note: Adjustable-rate mortgages (ARMs) are loans with interest rates that change after an initial fixed-rate period.

ZGMI does not aid or assist consumers in obtaining loans, solicit consumers or lenders for loans, offer or negotiate terms of loans, make loans or credit decisions in connection with loans, take applications for credit, or issue pre-approval letters. ZGMI allows consumers to provide certain information to lenders. ZGMI does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

More details about the rates displayed

  • A 3-year ARM loan of $300,000 at 8.35 % APR with a down payment of $75,000 will have a monthly payment of $2,227.
  • A 5-year ARM loan of $300,000 at 7.67 % APR with a down payment of $75,000 will have a monthly payment of $1,923.
  • A 7-year ARM loan of $300,000 at 7.53 % APR with a down payment of $75,000 will have a monthly payment of $1,942.
  • A 10-Year Fixed Rate loan of $300,000 at 5.95 % APR with a down payment of $75,000 will have a monthly payment of $3,299.
  • A 15-Year Fixed Rate loan of $300,000 at 6.13 % APR with a down payment of $75,000 will have a monthly payment of $2,531.
  • A 20-Year Fixed Rate loan of $300,000 at 6.30 % APR with a down payment of $75,000 will have a monthly payment of $2,187.
  • A 30-Year Fixed Rate loan of $300,000 at 6.74 % APR with a down payment of $75,000 will have a monthly payment of $1,929.
  • A 15-Year Fixed Rate FHA loan of $300,000 at 6.88 % APR with a down payment of $10,880 will have a monthly payment of $2,494.
  • A 15-Year Fixed Rate VA loan of $300,000 at 6.25 % APR with a down payment of $0 will have a monthly payment of $2,492.
  • A 30-Year Fixed Rate FHA loan of $300,000 at 7.08 % APR with a down payment of $10,880 will have a monthly payment of $1,798.
  • A 30-Year Fixed Rate VA loan of $300,000 at 6.35 % APR with a down payment of $0 will have a monthly payment of $1,812.
  • A 15-Year Fixed Rate Jumbo loan of $766,551 at 6.84 % APR with a down payment of $191,637 will have a monthly payment of $6,783.
  • A 3-year ARM Jumbo loan of $766,551 at 7.57 % APR with a down payment of $191,637 will have a monthly payment of $4,473.
  • A 30-Year Fixed Rate Jumbo loan of $766,551 at 6.92 % APR with a down payment of $191,637 will have a monthly payment of $5,024.
  • A 5-year ARM Jumbo loan of $766,551 at 7.67 % APR with a down payment of $191,637 will have a monthly payment of $5,054.
  • A 7-year ARM Jumbo loan of $766,551 at 7.48 % APR with a down payment of $191,637 will have a monthly payment of $5,010.
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