USDA and FHA Pro and Con in Sayre, Beckham County, OK
In 2026, the USDA loan limit for a single-family home in Sayre, in Beckham county, OK, is set at $336,500, while the FHA cap is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates, and figure out the income, credit score, reserves, and documents required for eligibility. Our advanced mortgage calculator lets you assess USDA, FHA, Conforming, and VA programs side by side, enabling you to choose the most suitable option for your financial context in .
2026 Loan Limits and Down Payment Requirements in Sayre, Beckham, OK
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Sayre, OK
Lendersa® strives to quickly secure the best USDA or FHA loan for you with ease. Choose one of three pathways that connect you with lenders and explore USDA loan options.
A USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusive to rural areas. FHA loans require a minimum 3.5% down payment, whereas the USDA mortgage requires none at all.
On March 21, 1901, just nine short days after the first townsite lots for the new city of Elk City were sold, the Thurmond Brothers - E.K, A.L, O.H, A.N, and I.C. - formed the First National Bank of Elk City. The bank was started with $25,000.00 in capital.
Security State Bank has served Cheyenne & Roger Mills County since 1912. We offer the services of a modern financial institution while maintaining the integrity of a community bank where decisions are made locally.
Throughout the years we have expanded, adding branches in Hammon and Laverne, to better serve our customers.
Great Plains National Bank is a full-service community Bank with branches in Oklahoma and Texas, offering personal Banking solutions designed to meet your financial needs including checking, savings, loan and mortgage services. To exceed our customers’ expectations by delivering superior customer service that will lead Great Plains National Bank.
Delivering total convenience is the goal at Frazer Bank. We are a full service community bank offering personal and customized financial solutions to individuals and businesses in Oklahoma and Texas. Founded in 1902, we are in our second century of serving the people of our region.
Red River Federal Credit Union has been open since 1957. It's the 23rd largest credit union in Oklahoma with assets totaling $114.95 Million and providing banking services to more than 9, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area
The Bank of Vici acquired an organizational charter date of October 22, 1902. In 1914, the Bank of Vici consolidated with the First Bank of Cestos with John F Windolph as the principal organizer and was its first president, a position he held until his death in 1956. The Bank of Vici celebrated its 100th anniversary on October 22, 2002.
We started as a community bank, and even though we’ve grown, we haven’t really changed. Handling the daily banking needs of our friends and neighbors is central to everything we do. When it comes time for you to take on bigger and better challenges, we’re there with all your needs for personal and commercial lending.
