OR — Oregon
Oregon Mortgage Guide
Portland-area counties carry higher limits; strong state first-time buyer assistance programs.
2024 Conforming Limit
$862,500
High-cost state
Avg 30yr Fixed Rate
7.00%
VA Friendly
No
First-Time Buyer Program
OHCS Oregon Bond Residential Loan
Oregon offers down payment assistance (DPA) for qualifying buyers. Contact a participating lender or your state housing finance authority for current income limits and program availability.
Understanding Your Conforming Limit
The 2024 FHFA conforming loan limit for Oregon is $862,500. Loans at or below this amount qualify as conforming loans, which typically carry lower interest rates and require less documentation than jumbo loans.
Oregon is a high-cost area. Higher limits mean more buyers can access conventional conforming financing instead of jumbo loans, which often require larger down payments and stricter credit standards.
Popular Loan Types in Oregon
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