FHA VS Conventional loan in Stillwater, Payne County, Oklahoma
In 2025, the conventional loan cap in Stillwater, situated in Payne county, OK, is $726,200. Conversely, the FHA limit for a single-family home is $472,030.
Lendersa® offers an advanced conventional loan calculator, facilitating comparisons among today's best Conventional, FHA, and USDA rates. With this powerful tool, you can view Conforming Conventional loans side by side with USDA, FHA, and VA options, assisting in choosing the most suitable program in OK tailored to your financial situation. This includes assessments for income, credit, reserves, and documentation requirements needed to qualify.
Loan Limits and Down Payment Requirements in Stillwater, Payne, OK for 2025
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table is relevant to the following zip codes: 74078, 74075, 74074, 74076, 74077
Options for Conventional and FHA Loans in Stillwater, OK
Lendersa® aims to swiftly provide you with the most favorable Conventional, USDA, or FHA loan, minimizing hassle. You can begin with one of three pathways to connect with the appropriate lenders and loan programs, tailored to your needs.
"Founded in 1971 as HALLCO Community Credit Union, we grew into a full-service financial institution offering a wide range of banking products and services with branch locations in Gainesville, Oakwood, Flowery Branch and Cleveland.
As the communities and the needs of the residents in the area around us expanded, so did we"
HOMESTAR Financial Corporation is a full service mortgage banker controlling every aspect of the loan process with in house processing, underwriting, closing and funding of each mortgage transaction. Having an in-house team separates HOMESTAR from other mortgage companies because it is easier for HOMESTAR mortgage lenders to communicate quickly
The Pure Light Mortgage, Inc. 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.
HarborLight Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties. If you live or work in any of these counties, you can bank with us!Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties.
John H. established Homes & Loans of West Michigan in 2005. As a licensed realtor and lender, I wanted to combine mortgage and realty services to make the home buying process faster, easier and more comfortable for my customers. By combining real estate and mortgage services together, we offer a higher level of service
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At Michigan Coastal Credit Union, we’ve been owned by our members since 1958. We are committed to Making a Difference and Adding Value to our team, members and the communities we serve.
We currently have one office, but we offer 30, 000 Surcharged ATM’s partnering with the CO-OP ATM network.
Community Development Bank was founded in 1906 and purchased by three non-profit Community Development Corporations in 2001. A for-profit financial institution owned by non-profit Community Development Corporations is very unique and brings significant economic development resources to the communities we serve
