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Curry County, Oregon FHA, VA, USDA Loan Information

Table of Contents

What are the government loan limits in Curry County, OR?
What parts of Curry county are eligible for USDA loans?
Do I need flood insurance?
How do I learn about Property Taxes in Curry County
What is the median home price in Curry County, OR?
How many people live in Curry County?
What are the major cities?
How do I see FHA- and VA-Approved homes for sale?
Is there a cost to have a real estate agent represent me?
What closing costs do I need?
How can I get assistance with closing costs?
How to Buy a Home in Curry Coutny
About Curry County
Approved Condominium Projects in Curry County
How much of a loan can I qualify for, based on my income?

FAQ

What are the Government loan limits in Curry County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $265,400
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400*(Call 877-432-5626 for details).


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What parts of Curry County are eligible for USDA loans?

Most of Curry County is eligible for a USDA Rural Development home loan.
Eligible Zip Codes: 97406, 97415, 97444, 97450, 97465, 97476.

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Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. In Curry County, most flood hazard areas are along the coast. However, there are also flood hazard areas around the Rogue River that cut through the county.

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How do I learn about Property Taxes in Curry County?

Jim Kolen is the Curry county tax assessor. His office is located at 94235 Moore Street, Ste 221, Gold Beach, Oregon 97444, and can be reached by calling (541) 247-3294.


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What is the median home price in Curry County, OR?

As of March 31st, 2020, the median home value for Curry County is $337,665. In addition, the median household income for residents of the county is $46,396.

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How many people live in Curry County?

Curry County’s population is 22,925 which includes about 2,990 veterans. Moreover, demographically speaking, 85% of the population is White, with 7% Hispanic, and 3% mixed race.

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What are the major cities?

The county has three cities, Brookings, Port Orford and Gold Beach, the latter of which serves as the county seat.

How do I see FHA- and VA-Approved homes for sale?

You can view all of the properties available for sale in Curry County through the Multiple Listing Service. You can also see approved condos at the bottom of this page.

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Is there a cost to have a real estate agent represent me?

The seller must pay real estate professionals’ commission, not the buyer. This means that, as a homebuyer, there is no cost to have a real estate agent represent you. In fact, it’s a good idea to get your own agent in order to have someone in your corner during the negotiation process. For more information about real estate agents, click here.

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What closing costs do I need?


For FHA loans, closing costs can end up being 3-4% of the loan amount. These costs include origination fees from the lender, any discount points purchased for a better interest rate, and pre-paid items like insurance and taxes.

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How can I get assistance with closing costs?

There are several ways to reduce the amount you have to pay at closing. One way is to get down payment assistance. The FHA’s Within Reach program provides grants to help low- and middle-income families with their down payment.
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How to Buy a Home in Curry County

Are you interested in buying a home in Curry County? This is a step by step guide to all the ins and outs of the homebuying process. For more detail about FHA loans, be sure to check out our complete guide. We also have an in-depth guide to VA loans and the USDA’s Rural Development home loan program.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Curry County.

  1. Get in touch with a loan officer – give us a call at 877-432-5626

    We can help you figure out what type of loan you might qualify for. Programs through the VA, USDA, and FHA allow you to buy a home with a small down payment – or no down payment at all. We will also check your credit and income to see how much of a loan you can qualify for. When we do this, we do a “soft pull” on your credit. This is different from an official credit inquiry and won’t hurt your credit score.

  2. Compare loan offers.

    Either call us or fill out the form on this page.

  3. Give your Loan Officer the information they need to find you a loan

    For a purchase loan or cash-out refinance:

    • Your ID
    • Previous two years of W2s
    • Most recent 30 days paystubs
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info

    For a refinance loan, you will also need information on the loan you want to refinance.


  4. Compare Loan offers

    Compare the interest rates and APRS – but keep in mind that the fixed- and adjustable-rate mortgages are apples and oranges. Use the Loan Estimate to compare the true costs of each loan, both month-to-month and over the life of the mortgage.

  5. Find a home

    Get connected with a FedHome Loan Centers Real Estate Agent. Once you meet with them to talk about your wants and needs, you can sign up for the property search feed. This will give you alerts about homes for sale in Curry County. Now you’re ready to preview properties and start touring homes.

  6. Make an offer and negotiate the terms of the sale

  7. Get the necessary and recommended inspections

    Required Inspections:

    • Termite Inspection
    • Well or septic inspections, if applicable
    • We can help you check if your home is in one of the Curry County flood hazard areas.

    Recommended Inspections:
    Home Inspection, Roof Inspection, Sewer Inspection

  8. Get the home appraised

    Construction loans require a construction appraisal and permit approval

  9. Lock in your interest rate

    Pro Tip: Wait until the appraisal to lock in your loan rates. If it turns out you need to make repairs, it can push the closing back. Then you run the risk of losing that rate or having to pay an extension fee.

  10. Close the deal and get packing!

    You’re ready to go!

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About Curry County

Named after Governor George Law Curry, the county was initially home to the Coos people who inhabited the area for centuries before European arrival. Initially, the county was around 1,500 square miles, yet in 1927 the area increased to 1,648 square miles. Moreover, the first European settlers in the county arrived through water transportation leading to the county being mostly isolated in its early years until the development of inland transportation in the 20th century.

Today, the county’s economy depends on tourism as well as the production of myrtle wood and agricultural products like sheep, cattle, cranberries, and blueberries. Whereas, the biggest employment industries in the county are healthcare, retail, and public administration. Hence, most workers have jobs in administrative support, sales, and management occupations.

When it comes to education, the county is served by three school districts that have students from pre-K to 12th grade. In addition, there are seven schools in the county that have around 2,290 students annually.

Finally, in addition to its workforce and its educational system, the county is also home to various historical and cultural facilities as well as recreational parks. Some of these include Cape Sebastian and Samuel H. Boardman State Parks, and the Rogue River Japanese Bomb Site.

How much of a loan can I qualify for, based on my income?

Monthly Income Purchase Price
$2,628.90 $195,175.91
$2,832.00 $210,254.55
$3,181.50 $236,202.27
$3,612.00 $268,163.64
$3,985.50 $295,893.18
$4,361.10 $323,778.64
$4,971.90 $369,125.91
$5,761.50 $427,747.73
$6,892.20 $520,625.00
$5,199.60 $368,791.82
$5,743.80 $408,815.91
$6,249.90 $450,287.73
$6,998.10 $501,960.45
$9,776.70 $725,845.91
$5,568.00 $413,381.82
$6,574.80 $488,129.09
$7,569.60 $561,985.45
$5,141.40 $381,710.00
$6,345.30 $471,090.45
$7,639.80 $567,197.27
$8,360.10 $620,674.09
$9,260.70 $687,536.82
$10,095.30 $749,499.55
$12,165.00 $903,159.09
$13,929.60 $1,034,167.27
$17,511.00 $1,300,059.09
$18,406.80 $1,366,506.06

Purchase Price subject to credit and income evaluation. 

Approved Condos in Curry County

Current no FHA or VA approved condos exist in Curry County. However, there are ways to get the condo approved, give us a call (877-432-5626) and we can help you start the condo approval process. 

Find Your Dream Home in Curry County, Oregon

Contact FedHome Loan Centers to be matched with a licensed real estate agent.

Call FedHome Loan Centers today for a list of great condos available in the area.