USDA Vs. FHA Pro and Con comparison in Ponca-City, Kay County, OK
In the current year, 2025, the USDA loan maximum in Ponca-City, located in Kay county of OK, is set at $285,000, while the limit for FHA loans is $356,362 for single-family homes.
The Lendersa® USDA loan calculator lets you evaluate today's leading USDA vs. FHA rates, helping you understand the required income, credit, reserves, and documentation to qualify. Our state-of-the-art mortgage calculator offers a comparative view of USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in Alabama for your unique financial needs.
2025 Loan Limits and Down Payment Requirements in Ponca-City, County of Kay, OK
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options Available in Ponca-City, OK
Lendersa® aims to swiftly and seamlessly secure the best USDA or FHA loan for you. Begin with one of our three pathways that connect you to lenders offering USDA loan programs.
A USDA home loan is a mortgage supported by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans require zero down payment.
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