USDA Vs. FHA Pro and Con comparison in 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.

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2026 Loan Limits and Down Payment Requirements in Duncan, County of Stephens, OK

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

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.

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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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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