For 2025, the USDA loan cap in Sand-Springs, county of Tulsa, OK, is $285,000, whereas the FHA loan cap for a single-family house is $356,362.
Leverage the Lendersa® USDA loan calculator to assess today's optimal USDA versus FHA rates, helping you determine the necessary income, credit score, reserves, and documentation for qualification. The advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in choosing the best option for your financial status in Alabama.
Compare loan offers from 100 lenders
| Type of Loan | Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is devoted to swiftly obtaining the optimal USDA or FHA loan for you, simply and efficiently. Choose from one of three starting paths leading to matching lenders and available USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusively available for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage involves no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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