As of 2026, in Ponca-City county within Kay, OK, the FHA loan limits are set at $356,362 for single-family homes, with $456,275 for two-unit residences, $551,500 for three-unit homes, and $685,400 for properties with four units.
The ceiling for conventional loans on single-family houses is $548,250, extending to $702,000 for two-unit properties, $848,500 for three-unit settings, and reaching $1,054,500 for four-unit buildings.
Use our FHA calculator to access today’s premier FHA rates, and establish required downpayments, income, credit, reserves, and qualification documents.
The Lendersa® calculator allows you to evaluate FHA loan rates and terms against various other loan options. Explore alternatives such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accesses extensive loan program data from thousands of lenders and quickly matches it to your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table for Ponca-City county in Kay, OK, provides a detailed comparison including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum amounts. For a thorough analysis of qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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