Explore the differences! FHA VS Conventional loan programs in Perkins, Payne County, Oklahoma
In 2026, the Conventional loan limit for Perkins, in Payne county, OK, is $726,200, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator for comparing the best rates of Conventional, FHA, and USDA loans available today. Assess the required income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can see side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA, assisting you in selecting the best program for your financial needs in OK.
Loan limits and downpayment requirements in Perkins, Payne, OK for 2026
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to zip codes: 74059
Explore Conventional and FHA loan options in Perkins, OK
Lendersa® aims to quickly provide you with the best Conventional, USDA, or FHA loan options without hassle. Choose one of three starting points to connect with matching lenders and loan programs.
Payne County Bank was incorporated January 3, 1898, nine years before Oklahoma's Statehood. With original capital stock of $5,000, the bank operated in a wood frame structure at the northwest corner of what is now Main and Thomas streets for about four years. With the construction of a new native sandstone building in 1903,
Oklahoma Community Credit Union is the only original Credit Union from Stillwater, OK. Oklahoma Community Credit Union was founded at Oklahoma State University in 1968. We have grown from a small room, open once a week in the Student Union, to two Stillwater locations and over 13, 000 members.
Bozarth Home Mortgage. We are a full-service mortgage company based in GUTHRIE, OK and TEXAS. We specialize in FHA, Conventional, Manufactured, USDA and VA Mortgages throughout Oklahoma and Texas. Whether you are buying a home or refinancing in either state, we can help you realize your dream of home ownership.
The Exchange Bank and Trust Company of Perry, OK will remain a strong, sound and successful community bank. Through a friendly and professional staff, we will provide the products and services needed by our communities. Our primary trade area encompasses Noble County and Payne County.
Prosperity Mortgage, LLC is a full service correspondent mortgage broker, providing the industry with the best solutions in residential purchases, refinances, and renovation loans. Our product offering complements customers throughout Oklahoma metro cities as well as the rural areas including FHA, VA, JUMBO, and Rural Housing Portfolio.
The Land Run Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
233 East 10th Street Plaza, Suite 3, Edmond, OK, 73034
Lends in Oklahoma
Spurr Mortgage is a locally and family owned mortgage company in Edmond, Ok helping homeowners since 1990 by Harold Spurr. Spurr Mortgage has stayed true to its mission to provide outstanding home mortgage services in Edmond and throughout Oklahoma. Spurr Mortgage has the distinct honor of being the only remaining mortgage broker in the state.
"MHL and eLEND combine great rates and a wide range of Manufactured and Modular Home loan options, with over 20 years of industry expertise, and excellent customer service. We’re always just a call, message
Being a customer-focused company means we take great pride in our customer service."
833 Kelly Lakes Pass, Suite 100, Edmond, OK, 73025
Lends in Oklahoma
Security Financial Mortgage founded in 2012 Security Financial Mortgage has a simple business philosophy. With an efficient, knowledgeable team that is willing to work hard for every client, we can keep our costs low while providing exceptional service. This enables us to pass the savings on to our customers.
