As of 2026, the USDA loan limit in Stilwell, within Adair county, OK, is set at $336,500. By contrast, the FHA limit for a single-family home is $472,030.
Make use of the Lendersa® USDA loan calculator to compare today's prime USDA and FHA rates, helping establish the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® seeks to promptly connect you with the best USDA or FHA loan, without hassle. Opt for one of three starting points to link with lenders and access suitable USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage, and is available solely in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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