USDA and FHA Pro and Con in Enid, Garfield County, OK

In 2025, the USDA loan limit for Enid, within Garfield county, OK, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare current USDA vs. FHA best rates, determining the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA loans are viewed side by side to help you decide the best program in for your needs.

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Enid, Garfield, OK

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

Options for USDA and FHA Loans in Enid, OK

Lendersa® is focused on securing the finest USDA or FHA loan for you swiftly and without complication. Choose one of three ways to connect with ample lenders and USDA loan programs.

Results of Lendersa's USDA loan requests and matches

What is a USDA Loan in OK?

A USDA home loan, backed by the Department of Agriculture and commonly known as a USDA rural development loan or mortgage, is only available in rural locales. Unlike FHA loans, requiring a minimum of 3.5% down payment, USDA loans require none.

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



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