USDA VS FHA in Stillwater, Payne County, OK

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

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, determining the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Stillwater, Payne, OK

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

USDA and FHA Loan Options in Stillwater, OK

The goal of Lendersa® is to ensure you get the best USDA or FHA loan efficiently and without hassle. Choose one of three avenues to connect with suitable lenders and discover USDA loan programs.

Results from Lendersa USDA loan requests and matches

What is a USDA Loan in OK?

A USDA home loan, guaranteed by the Department of Agriculture and also referred to as a USDA rural development loan or mortgage, is exclusively for rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans need no down payment.

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



  • Simplify Direct, Inc.
  • 2601 East Chapman Avenue, Suite 212, Fullerton, CA, 92831
  • Simplify Direct, Inc goal is to achieve your mortgage needs by mimimizing the red tape through our automated process. You will work directly with a single point of contact from begining to end. Our seasoned mortgage specialist will help you get the perfect mortgage that fits your needs.
  • Rosemont Mortgage
  • 2465 E. Orangethorpe Ave, Fullerton, CA, 92831
  • Here at Rosemont Mortgage we put you first! Our warm, friendly and knowledgeable staff are all geared to be problem solvers. Whether it is finding the most aggressive rate for your purchase or refinance or looking for the right help after being let down by another lender we can and will help.
  • E-Mortgage Capital
  • 939 E Santa Ana Blvd, Santa Ana, CA, 92701
  • 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.
  • Dynamic Digital Mortgage
  • 924 S Main Street, Santa Ana, CA, 92701
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • American Transactions Inc.
  • 820 N. Parton Street, Suite 201, Santa Ana, CA, 92701
  • Whether your goal is to own a Multi Unit Investment, Commercial Building, Commercial Investment, Light Industrial, Special Use property, our commitment is helping you to achieve and exceed your own dreams. Buy or Sell California Investment Properties beyond your most demanding needs.
  • Making it Happen Enterprises Inc
  • 817 North Broadway, Suite E, Santa Ana, CA, 92701
  • 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.
  • Investments by M Corporation
  • 1801 Park Court Place, Unit G, Suite 100, Santa Ana, CA, 92701
  • 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
  • GR Financial Services
  • 416 East Myrtle Street, Santa Ana, CA, 92701
  • 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.
  • Doc My Mortgage
  • 319 South Main Street, Suite A, Santa Ana, CA, 92701
  • Doc My Mortgage is a veteran owned business. We strive to deliver the service our borrowers deserve by providing them with the best lending experience. Our skills in leadership and valued integrity add tremendous value to our team. We have a long career in Mortgage Lending. Our Seniority in the Lending industry.