What is the FHA MIP rate in 2026?

FHA MIP in 2026: Upfront 1.75% of loan amount (financeable). Annual MIP 0.55% for loans over 15 years with less than 10% down. On a $499,388 loan, annual MIP is $229/month.

Updated February 2026 • HUD Official Limits

FHA Loan Limits Oregon 2026

Q: What is the FHA loan limit in Oregon for 2026?

The standard FHA loan limit in Oregon for 2026 is $517,500 for a single-family home. High-cost counties may qualify for limits up to $1,149,825. The 2-unit limit is $662,400, 3-unit $802,125, 4-unit $998,775.

Q: What is the minimum down payment for an FHA loan in Oregon?

The minimum down payment is 3.5% with a 580+ credit score. On the median home price of $485,000, that is $16,975. With a 500-579 credit score, you need 10% down.

Q: What credit score do I need for an FHA loan in Oregon?

Minimum 580 for 3.5% down. Scores 500-579 require 10% down. Most FHA lenders in Oregon prefer 620+ for the best rates. Current FHA rates average 6.02%.

Q: Can I use an FHA loan for a multi-family home in Oregon?

Yes. FHA loans cover 1-4 unit properties as long as you occupy one unit as your primary residence. The 2026 FHA limit for a 2-unit property in Oregon is $662,400, 3-unit $802,125, 4-unit $998,775.

Standard FHA limit: $517,500 for a single-family home. FHA rates from 6.02% with just 3.5% down and 580 credit score.

Standard FHA Limit (2026)

$517,500

Single-family home

Min Down Payment (3.5%)

$18,113

580+ credit score required

Est. Monthly Payment

$3,001/mo

P&I + MIP at 6.02%

Check My FHA Eligibility in Oregon

What Are the FHA Loan Limits in Oregon for 2026?

The 2026 FHA loan limit in Oregon is $517,500 for a single-family home in standard-cost counties, set by HUD based on local median home prices. The national FHA floor is $498,257 and the high-cost ceiling is $1,149,825. With 3.5% down, you need $18,113 to buy at the limit, with an estimated monthly payment of $3,001/month.

2026 FHA Loan Limits in Oregon by Property Type

Property Type	Standard Limit	High-Cost Limit	Min Down (3.5%)
1-Unit (Single Family)	$517,500	$1,149,825	$18,113
2-Unit (Duplex)	$662,400	$1,471,776	$23,184
3-Unit (Triplex)	$802,125	$1,782,229	$28,074
4-Unit (Fourplex)	$998,775	$2,219,162	$34,957

Source: HUD/FHA 2026 Mortgagee Letter. High-cost limits apply to designated high-cost counties only. Verify at hud.gov.

FHA Monthly Payment Estimates in Oregon

At FHA Limit ($517,500)

$3,001/mo

3.5% down • 6.02% rate • 30-year • Includes MIP

At Median Home Price ($485,000)

$2,812/mo

3.5% down ($16,975) • 6.02% rate • Includes MIP

FHA MIP Breakdown (2026):

Upfront MIP (1.75%)$8,739 (financed)

Annual MIP (0.55%)$229/month

MIP DurationLife of loan (<10% down)

FHA vs Conventional in Oregon

Factor	FHA	Conventional
Min Down	3.5%	3-5%
Min Credit Score	580	620
Current Rate	6.02%	6.22%
Loan Limit	$517,500	$766,550
Mortgage Insurance	Life of loan	Removed at 20% equity
DTI Limit	Up to 57%	Up to 45-50%

See If You Qualify for an FHA Loan in Oregon

Compare FHA rates from top lenders. 580 credit score accepted. 3.5% down. Get pre-approved in minutes.

Get My FHA Rate Quote →

Oregon FHA Loan Limits FAQ

What is the FHA loan limit in Oregon for 2026?

The standard FHA loan limit in Oregon for 2026 is $517,500 for a single-family home. High-cost counties may qualify for limits up to $1,149,825. Multi-unit: 2-unit $662,400, 3-unit $802,125, 4-unit $998,775.

What is the minimum down payment for an FHA loan in Oregon?

Minimum 3.5% with 580+ credit score. On the median home price of $485,000, that is $16,975. With a 500-579 credit score, you need 10% down.

What credit score do I need for an FHA loan in Oregon?

Minimum 580 for 3.5% down. Scores 500-579 require 10% down. Most FHA lenders in Oregon prefer 620+ for the best rates. Current FHA rates average 6.02%.

Can I use an FHA loan for a multi-family home in Oregon?

Yes. FHA loans cover 1-4 unit properties as long as you occupy one unit as your primary residence. The 2026 FHA limit for a 2-unit property in Oregon is $662,400.