USDA Vs. FHA Pro and Con comparison in Watonga, Blaine County, OK

In 2025, USDA loan limit in Watonga, county of Blaine, OK is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Watonga, county of Blaine, OK

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

USDA and FHA loan options in Watonga, OK

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Oklahoma?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Echo Mortgage Group
  • 902 NW 139th Street Pkwy, Edmond, OK, 73013
  • Echo Mortgage Group Helping buyers and client with their Home Lending needs. Whether purchasing or refinancing we can provide the best product at the best price to fit your needs. Free pre-approvals and always ready to help discuss your individual needs. We also specialize in New Construction for those building and purchasing their dream home
  • STOUT LENDING, LLC,
  • 3847 S Boulevard, Suite 200, Edmond, OK, 73013
  • Stout Lending is the vision and hard work of industry veteran and entrepreneur Christopher Herford. Chris spent years developing his specialized skill set in customer service, problem resolution, mortgage lending and real estate. Chris saw the need to create a highly efficient Mortgage Brokerage which would allow clients
  • Centennial Home Mortgage
  • 902 NW 139th Street Parkway, Edmond, OK, 73013
  • Founded in 2013 in a spare bedroom, we have grown customer by customer & employee by employee to the respected mortgage banking operation that it is now - funding hundreds of millions of dollars in residential financing for it's clients. We are proud to serve the communities we do business in by providing residential home financing for purchase
  • First Enterprise Bank
  • 1000 West Britton Avenue, Oklahoma City, OK, 73114
  • First Enterprise Bank is an independent, locally owned community bank in Oklahoma City. Since our founding in 1907 our mission has been one of serving the community by providing exceptional customer service. That means quick, local decision-making, and a bank that puts you in touch.
  • The Bank of Kremlin
  • 102 6th Street, Kremlin, OK, 73753
  • The Bank of Kremlin was chartered May 21, 1900 in Kremlin, Oklahoma Territory, seven years before statehood. The bank was founded to provide deposit, bank draft and lending services to the town and local agricultural community. We believe our success is owed to our focus and dedication to customer service.
  • Teachers Credit Union OK
  • 2300 NW 23rd Street, Oklahoma City, OK, 73107
  • Teachers Credit Union has been open since 1935. The credit union has assets totaling $7.87 Million and provides banking services to more than 2, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Home Companies Mortgage
  • 500 N Meridian Ave, Suite 206, Oklahoma City, OK, 73107
  • At HOME CO. with our fast, powerful and completely online way to get a mortgage, you can adjust your mortgage options to find the lowest payment possible. We have very competitive insurance premiums. Receive a quote in just a matter of a few minutes. We make buying a home easy at Home Owners Made Easy
  • First Fidelity Financial Group
  • 5100 N. Classen Blvd, Suite 500, Oklahoma City, OK, 73118
  • First Fidelity Bank takes pride in its legacy as a community Bank. Since 1920, we’ve been serving clients with the high level of individual care that community Banks are known for, while using the same sophisticated technology as large national Banks. An award-winning financial institution, First Fidelity Bank’s commitment to our clients
  • Champion Home Loans LLC
  • 4335 N Classen, Suite 101, Oklahoma City, OK, 73118
  • We are a local mortgage brokerage dedicated to finding the best product for our clients while providing a great experience.Our platform allows us to give our clients great rates while on average being $1, 500 cheaper in lender fees than our competitors. We have a loan program for just about every situation.
  • Red Dirt Lending
  • 1220 NW 50th St, Oklahoma City, OK, 73118
  • Red Dirt Lending is an Oklahoma City, OK based private money lender. They offer loans throughout Minneapolis, St Paul, Oklahoma City, and Tulsa. They offer loans for a variety of needs and situations, including loans for rental properties and fix and flip hard money loans. They offer terms up to 1 year, loans with a maximum LTV of 70%
  • The Farmers Bank of Appomattox
  • 31 West Main Street, Carnegie, OK, 73015
  • Established in 1905, we have been serving Oklahoma for over 100 years! Locally owned and operated we support the community in many areas! Under new management since 2020. To operate in a safe and sound manner while understanding we have a fiduciary responsibility to all of our depositors.
  • Tinker Federal Credit Union
  • 715 Metropolitan Avenue, Oklahoma City, OK, 73108
  • Tinker Federal Credit Union is the largest credit union in Oklahoma with over 435, 000 members and more than $5.8 billion in assets. For over 70 years, we have been helping our members achieve their goals & realize their dreams. As a not-for-profit, member-owned financial cooperative, TFCU returns profits to our members through financial education.