USDA Vs. FHA your options comparison in Cushing, Payne County, OK
In 2026, the USDA loan limit in Cushing, county of Payne, OK, is $336,500. For FHA loans, the limit on a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates, assessing the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, aiding you in deciding on the best financial program in Alabama.
Loan Limits and Down Payment Requirements for 2026 in Cushing, County of Payne, 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 Options in Cushing, OK
Lendersa®'s mission is to swiftly secure the most suitable USDA or FHA loan for you without unnecessary hassle. Select one of three starting points to match with lenders offering USDA loan programs.
A USDA home loan, endorsed by the U.S. Department of Agriculture and also known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
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.
SpiritBank offers a spirited approach to banking with a full-line of banking products and services. We have the resources you need to help you with your business and personal banking needs. The person posting is an employee of the bank, anything posted may contain a personal opinion, and not necessarily the opinion of SpiritBank.
Green Country FCU Established in 1969 is a full-service credit union headquartered in Sand Springs. Green Country offers checking and savings accounts, credit cards, auto loans, mortgages, business accounts, and much more. Open to everyone in Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa and Wagoner Counties in Oklahoma
1st Bank in Hominy was founded on February 10, 1906 by the Mullendore and Edgington families. On April 26, 1911 the Bank of Commerce changed from a State Charter to a National Charter. In 1935 The National Bank of Commerce merged with the First National Bank & The National Bank of Commerce changed its name to The First National Bank in Hominy.
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.
It is our mission to provide financial products, services, and education tailored to meet the unique needs of the Otoe-Missouria Tribe of Indians, its employees, and its businesses. When you join Otoe-Missouria Federal Credit Union, you become part of our family. We’re dedicated to supporting you and your financial goals.
Our mission statement "We Help People Succeed" is our duty and our responsibility to you, our Members. We continually strive to be the best at what we do & help those who are often ignored or pushed away by other institutions. The Credit Union philosophy of self-help, self-support & promotion of thrift has not changed since our beginning in 1954.
