USDA Vs. FHA Pro and Con comparison in Jones, Oklahoma County, OK

In 2025, the USDA loan limit for Jones, Oklahoma, OK, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates, and identify the income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator helps you decide between USDA, FHA, Conforming, and VA options, providing clarity for your financial needs in .

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Loan Limits and Down Payment Requirements in Jones, Oklahoma, OK, 2025

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

Options for USDA and FHA Loans in Jones, OK

The aim of Lendersa® is to quickly secure the best USDA or FHA loans for you effortlessly. Choose from three approaches to connect with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

USDA Loans in OK

USDA home loans, backed by the Department of Agriculture, also known as USDA rural development loans, are available only in rural areas. They require no down payment, unlike FHA loans, which require at least a 3.5% down payment.

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



  • Levias Lending LLC
  • 5608 Shattuck Ave, Oakland, CA, 94609
  • At Levias Lending, we believe in turning dreams into reality. We'd like to help you find the perfect mortgage solution to make your homeownership dreams come true. Testimonials "Working with Levias Lending was a game-changer. Their expertise and dedication made the process seamless and stress-free. Highly recommend!" - Mansa Gills Thank yo
  • Guaranteed Rate
  • 1400 Shattuck Ave Suite 1, Berkeley, CA, 94709
  • Guaranteed Rate trusted local lender familiar with local market dynamics, Dianne Crosby is a Top Producing mortgage lender and Certified Mortgage Planning Specialist at Guaranteed Rate, closing over $100 million annually for her clients in the East Bay. With access to the low interest rates of a large mortgage bank.
  • Community Bank of the Bay
  • 180 Grand Avenue, Suite 1550, Oakland, CA, 94612
  • Established in 1996, Community Bank of the Bay is an independent, community-focused bank with 25 years of active financial investment in businesses and individuals in the San Francisco Bay Area. Our mission is to foster and promote economic development in the communities we serve.
  • Matson Credit Union loan
  • 475 14th Street, Suite 220, Oakland, CA, 94612
  • Chartered in 1938, Matson Employees’ Federal Credit Union was established to provide the best services possible — in a friendly atmosphere — for our members and their families. We are a non-profit, financial cooperative owned by you, our members. So you can rest assured that we will always be looking out for your best interest
  • Money Source
  • 1300 Clay St, Suite 600, Oakland, CA, 94612
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • TMC Financing
  • 1720 Broadway, 3rd Floor, Oakland, CA, 94612
  • TMC is the no. 1 SBA 504 lender in the nation. Since 1981, TMC has provided $10 billion in financing for over 6, 000 businesses throughout California and Nevada. This financing has resulted in the creation or retention of an estimate 60, 000 jobs. Now licensed to operate in Arizona!
  • Falcon Bridge Capital LLC
  • 1999 Harrison Street, Suite 1575, Oakland, CA, 94612
  • Falcon Bridge Capital formed in 2007 as part of a Joint Venture with a large Private Equity firm to invest in distressed Residential Mortgage Backed Securities ("RMBS"). The Company's clients include endowments/pensions, community banks, and private equity firms.The Company has expertise in structured products.
  • Self-Help Federal Credit Union
  • 1970 Broadway, Suite 350, Oakland, CA, 94612
  • Our mission is to create and protect ownership and economic opportunity for all, especially people of color, women, rural residents, and low-wealth families and communities.Self-Help strengthens underserved communities by providing financing to homebuyers, nonprofits, childcare centers, community health facilities.
  • North Street Finance, LLC
  • 1901 Harrison St, Suite 1100, Oakland, CA, 94612
  • Since 2016, North Street has closed nearly $100 million of loans with a select number of experienced investors largely based in the San Francisco Bay Area. We are dedicated to being your preferred capital partner and are focused on providing creative and flexible solutions that will help you grow your business.
  • Citi Capital Mortgage
  • 300 Frank H. Ogawa Plaza, Suite 250, Oakland, CA, 94612
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • PhinanceUS
  • 1901 Harrison St, Suite 1101, Oakland, CA, 94612
  • PhinanceUS is a mortgage company that specializes in residential, multi-family, and commercial real estate financing. We have 30 years of experience in the mortgage industry.residential, multi-family, and commercial real estate financing. We have 30 years of experience is here to solve your real estate finance needs
  • Spectrum Credit Union
  • PO Box 2069, Oakland, CA, 94604
  • Spectrum Credit Union is committed to providing highly competitive benefits and compensation as well as a comfortable, fun work environment for our staff. The Team Spirit Committee organizes companywide events throughout the year. Our headquarters office features ergonomic sit/stand desks, and semi-monthly subsidized table massages