Fannie Mae and Freddie Mac
Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.
Conventional loan limits can be higher than the conforming loan limit in high cost Counties. High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.
Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.
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Oregon Conventional Loan Limits by County
| County | 1 Unit SFR | 2 Unit Duplex | 3 Unit Triplex | 4 Unit Fourplex |
|---|---|---|---|---|
| BAKER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BENTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLACKAMAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLATSOP COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLUMBIA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COOS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CROOK COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CURRY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DESCHUTES COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DOUGLAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GILLIAM COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GRANT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARNEY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOOD RIVER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JACKSON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JEFFERSON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JOSEPHINE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KLAMATH COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAKE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LANE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LINCOLN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LINN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MALHEUR COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MARION COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MORROW COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MULTNOMAH COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| POLK COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHERMAN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TILLAMOOK COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| UMATILLA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| UNION COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WALLOWA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WASCO COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WASHINGTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WHEELER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| YAMHILL COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |