USDA Vs. FHA your options comparison in Ada, Pontotoc County, OK
For the year 2025, the USDA loan limit applicable in Ada, within the county of Pontotoc, OK, is set at $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
Make use of the Lendersa® USDA loan calculator to compare the premier USDA and FHA rates available today. This tool provides insights into the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator contrasts USDA, FHA, Conforming, and VA offerings side by side, assisting you in deciding on the optimum program in Alabama aligned with your financial needs.
2025 Loan Limits and Down Payment Requirements in Ada, County of Pontotoc, OK
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Ada, OK
Lendersa® strives to efficiently and quickly secure the best USDA or FHA loans for you. Select one of our three initial pathways, leading you to lenders and applicable USDA loan programs.
The USDA home loan, supported by the U.S. Department of Agriculture and known as a USDA rural development loan or mortgage, is designated specifically for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans are structured with no down payment requirement.
This setup is particularly beneficial to those considering homeownership in rural areas without upfront financial burdens. With thorough backing and simple procedures, the USDA mortgage remains a favorable choice for many.
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