FHA VS Conventional loan in Ponca-City, Kay County, Oklahoma
In 2026, the conventional loan limit in Ponca-City, Kay county, OK stands at $647,200, while for a single-family home, the FHA limit is $420,680.
Use Lendersa®’s Conventional loan calculator to compare leading rates among Conventional, FHA, and USDA loans today. This advanced mortgage tool displays Conforming Conventional alongside USDA, FHA, and VA loans, helping you select the most suitable program in OK for your financial needs, based on income, credit, reserves, and required documents.
Loan Limits and Down Payment Details for 2026 in Ponca-City, Kay, OK
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison is relevant for zip codes: 74601
Available Loan Choices in Ponca-City, OK
The aim of Lendersa® is to efficiently provide the best available Conventional, USDA, or FHA loan. Select one of three starting options to connect with lenders and discover matching loan programs.
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.
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.
Security National Bank of Enid is a commercial bank and trust company (accepting deposits) chartered under the National Bank Act. and Security National Bank offers a wide range of loan types with terms and conditions structured to meet individual business’s needs. These types include Term Financing, Construction Financing.
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,
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.
