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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 2025.
2025 | 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* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020.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 2025. 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 2025.
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 2025 FHA loan limits for all counties in Oregon. They range from $524,225 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 | $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 |
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.
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.