USDA Loan Vs. FHA loan pro & con Duncan, Stephens County, OK

For 2026, the USDA loan limit in Duncan, within the county of Stephens, OK, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the highest current USDA and FHA rates, thereby establishing the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to review USDA, FHA, Conforming, and VA loan programs side by side, aiding in the determination of the best option in Alabama for your financial needs.

Explore USDA and FHA Loan Opportunities in Duncan, OK

The mission of Lendersa® is to deliver the best possible USDA or FHA loan quickly and smoothly. Choose one of three starting paths that connect you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in OK

A USDA home loan, supported by the United States Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in designated rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.

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Duncan Lenders
(580) 255-3550 Lender's profile and map Endurance FCU 703 S 9th Street, Duncan, OK, 73533 Lends in Oklahoma EFCU is a full-service financial institution offering its members the best in service and a full range of financial products. When you become a member of EFCU you actually become one of the owners. EFCU is governed by a volunteer board of directors. EFCU redistributes income to members through higher savings rates and lower loan rates.
(580) 252-2265 Lender's profile and map First Bank & Trust Co. 923 W. Main St, Duncan, OK, 73533 Lends in Oklahoma At First Bank & Trust Co., you will feel the difference in the way your financial needs are met, because we are more than just a bank –we’re your bank. Located in Southern Oklahoma, we are proud to be a part of both urban & rural communities. We understand the banking needs of small businesses, farmers & ranchers, as well as families & individuals.
(580) 228-2326 Lender's profile and map The First Farmers National Bank of Waurika 319 E D Ave, Suite 3227, Waurika, OK, 73573 Lends in Oklahoma With Over 100 years of service to Waurika & surrounding communities First Farmers National Bank has roots. We are committed to the needs of our communities & customers. We are a locally owned bank with Five generations of local ownership having served the Waurika area. We believe local control & management is important to rural communities
(580) 353-3755 Lender's profile and map COMANCHE COUNTY FEDERAL CREDIT UNION 916 W Gore Boulevard, Lawton, OK, 73501 Lends in Oklahoma Comanche County Federal Credit Union has been open since 1964. The credit union has assets totaling $33.98 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
(580) 351-2265 Lender's profile and map Liberty National Bank 629 Southwest C Ave, Lawton, OK, 73501 Lends in Oklahoma Liberty National Bank is a real bank for real people; a bank you can trust in and grow with. We believe in hard work, can-do attitudes, and helping people get ahead. Above all, we’re committed to providing our customers with personalized banking relationships based on their individual needs and financial goals.
(580) 549-6106 Lender's profile and map The First National Bank of Fletcher 401 W. Cole, Fletcher, OK, 73541 Lends in Oklahoma The First National Bank of Fletcher is and has always been locally owned and operated. We offer the services of a modern financial institution while maintaining the integrity of a community bank where decisions are made locally. We take pride in having served our community since 1901.
(866) 385-3444 Lender's profile and map The City National Bank and Trust Company of Lawton, Oklahoma 500 SW D Ave, Lawton, OK, 73502 Lends in Oklahoma Since 1901, we have dedicated ourselves to providing solid, stable, & modern banking services to our customers. Originated in Lawton, Oklahoma, City National Bank & Trust has more than 40 + branches that span across Oklahoma and into southern Kansas. We pride ourselves on our commitment to our local communities and our unmatched customer service.
(800) 749-4583 Lender's profile and map FSNB, National Association PO Box 33009, Fort Sill, OK, 73503 Lends in Oklahoma FSNB offers conventional, fixed rate mortgage loans with low closing costs. Since 1946, we have been helping homebuyers nationwide, helping them finance what is probably the largest investment of their lives. We retain the servicing on 100% of the loans we make, which means we don't sell your loan to other companies
(405) 224-2200 Lender's profile and map The First National Bank and Trust Co. 302 W Chickasha Ave, Chickasha, OK, 73018 Lends in Oklahoma At First National Bank & Trust Co. We have expertise in the widest range of banking services you’ll find in the area — Treasury Management, Trust Services, the full array of lobby and digital-platform banking services, and more. Best of all, we are your neighbors. Our bankers live and work near each of our 12 banking centers.