Skip to content
Purchase Mortgage Loan
Get Pre-Approved

VA loans in Oregon

Quick answer

VA loans in Oregon let eligible veterans and service members buy with 0% down and no monthly mortgage insurance. With full entitlement there's no VA loan limit; a one-time funding fee applies unless exempt.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

VA loan snapshot for Oregon

ItemEstimate
Minimum down payment0%
Minimum credit scoreNo VA minimum (lenders often 580–620)
Typical OR home value$454,200
3.5% down on typical home$15,897
20% down on typical home$90,840
Avg. effective property tax0.83%/yr (~$314/mo)
Income for typical home (31% rule)$141,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Oregon programs pair with VA loans?

  • Oregon Bond Residential Loan: Below-market-rate loans for first-time buyers within limits.
  • Flex Lending: A first mortgage with down payment assistance options.

Details and current limits: Oregon Housing and Community Services (OHCS).

Who is eligible for a VA loan?

  • Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
  • Active-duty service members after 90 continuous days.
  • National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
  • Surviving spouses of service members who died in service or from a service-connected disability (in many cases).

What is the VA funding fee?

The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.

Down paymentFirst useSubsequent use
Less than 5%2.15%3.3%
5% to under 10%1.5%1.5%
10% or more1.25%1.25%

VA loans in Oregon cities

VA in PortlandVA in EugeneVA in SalemVA in GreshamVA in HillsboroVA in BendVA in BeavertonVA in MedfordVA in SpringfieldVA in CorvallisVA in AlbanyVA in TigardVA in AlohaVA in Lake OswegoVA in Grants PassVA in KeizerVA in Oregon CityVA in RedmondVA in McMinnvilleVA in BethanyVA in TualatinVA in West LinnVA in WoodburnVA in Forest GroveVA in WilsonvilleVA in NewbergVA in Happy ValleyVA in RoseburgVA in HayesvilleVA in Klamath FallsVA in AshlandVA in MilwaukieVA in SherwoodVA in AltamontVA in Cedar MillVA in HermistonVA in Central PointVA in LebanonVA in CanbyVA in Oak GroveVA in DallasVA in PendletonVA in Four CornersVA in TroutdaleVA in The DallesVA in Coos BayVA in St. HelensVA in CorneliusVA in La GrandeVA in SandyVA in OatfieldVA in GladstoneVA in OntarioVA in Oak HillsVA in PrinevilleVA in MonmouthVA in White CityVA in DamascusVA in Cottage GroveVA in Fairview

Frequently asked questions

Yes. VA loans are available statewide in Oregon through approved lenders, subject to county loan limits where they apply.

Often yes. Oregon Housing and Community Services (OHCS) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Oregon.

Get matched with VA lenders in Oregon

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.