2019 FHA Loan Limits in Oklahoma
The 2019 FHA loan limit for single-family homes in Oklahoma is $314,827 in all counties.
Buying a home is an important milestone, and deciding to go for it is a huge first step. Now that you’ve decided to buy a home in Oklahoma, you’ve likely given some thought to what type of mortgage would work best for you. There are lots of options, and you’re going to want to check what assistance is available in Oklahoma for first-time homebuyers.
Oklahoma has a mix of rural and urban centers, and its capital, Oklahoma City, has experienced population growth of more than 10 percent since 2010, according to U.S. Census Bureau estimates.
FHA loans are an attractive option for Oklahomans — nearly one- third of home loans originating in Oklahoma in 2015 (the latest data available) were FHA loans, totaling $2 billion. In 2018, 1.26 percent of all FHA loans were made to Oklahomans, up from 1.13 percent the year prior.
FHA loans have low credit score and down payment requirements, and they often allow a higher debt-to-income ratio than conventional loans, making this type of loan attractive to buyers who aren’t able to qualify for conventional mortgages.
Oklahoma FHA loan limits by county
| FHA Loan Limits in Oklahoma | |||||
| County Name | One-Family | Two-Family | Three-Family | Four-Family | Median Sale Price |
| Adair | $314,827 | $403,125 | $487,250 | $605,525 | $52,000 |
| Alfalfa | $314,827 | $403,125 | $487,250 | $605,525 | $72,000 |
| Atoka | $314,827 | $403,125 | $487,250 | $605,525 | $51,000 |
| Beaver | $314,827 | $403,125 | $487,250 | $605,525 | $79,000 |
| Beckham | $314,827 | $403,125 | $487,250 | $605,525 | $96,000 |
| Blaine | $314,827 | $403,125 | $487,250 | $605,525 | $48,000 |
| Bryan | $314,827 | $403,125 | $487,250 | $605,525 | $93,000 |
| Caddo | $314,827 | $403,125 | $487,250 | $605,525 | $84,000 |
| Canadian | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Carter | $314,827 | $403,125 | $487,250 | $605,525 | $104,000 |
| Cherokee | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Choctaw | $314,827 | $403,125 | $487,250 | $605,525 | $47,000 |
| Cimarron | $314,827 | $403,125 | $487,250 | $605,525 | $28,000 |
| Cleveland | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Coal | $314,827 | $403,125 | $487,250 | $605,525 | $40,000 |
| Comanche | $314,827 | $403,125 | $487,250 | $605,525 | $111,000 |
| Cotton | $314,827 | $403,125 | $487,250 | $605,525 | $111,000 |
| Craig | $314,827 | $403,125 | $487,250 | $605,525 | $97,000 |
| Creek | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Custer | $314,827 | $403,125 | $487,250 | $605,525 | $111,000 |
| Delaware | $314,827 | $403,125 | $487,250 | $605,525 | $95,000 |
| Dewey | $314,827 | $403,125 | $487,250 | $605,525 | $91,000 |
| Ellis | $314,827 | $403,125 | $487,250 | $605,525 | $68,000 |
| Garfield | $314,827 | $403,125 | $487,250 | $605,525 | $104,000 |
| Garvin | $314,827 | $403,125 | $487,250 | $605,525 | $55,000 |
| Grady | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Grant | $314,827 | $403,125 | $487,250 | $605,525 | $50,000 |
| Greer | $314,827 | $403,125 | $487,250 | $605,525 | $78,000 |
| Harmon | $314,827 | $403,125 | $487,250 | $605,525 | $45,000 |
| Harper | $314,827 | $403,125 | $487,250 | $605,525 | $78,000 |
| Haskell | $314,827 | $403,125 | $487,250 | $605,525 | $89,000 |
| Hughes | $314,827 | $403,125 | $487,250 | $605,525 | $73,000 |
| Jackson | $314,827 | $403,125 | $487,250 | $605,525 | $103,000 |
| Jefferson | $314,827 | $403,125 | $487,250 | $605,525 | $30,000 |
| Johnston | $314,827 | $403,125 | $487,250 | $605,525 | $46,000 |
| Kay | $314,827 | $403,125 | $487,250 | $605,525 | $70,000 |
| Kingfisher | $314,827 | $403,125 | $487,250 | $605,525 | $137,000 |
| Kiowa | $314,827 | $403,125 | $487,250 | $605,525 | $35,000 |
| Latimer | $314,827 | $403,125 | $487,250 | $605,525 | $34,000 |
| Le Flore | $314,827 | $403,125 | $487,250 | $605,525 | $120,000 |
| Lincoln | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Logan | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Love | $314,827 | $403,125 | $487,250 | $605,525 | $58,000 |
| Major | $314,827 | $403,125 | $487,250 | $605,525 | $69,000 |
| Marshall | $314,827 | $403,125 | $487,250 | $605,525 | $67,000 |
| Mayes | $314,827 | $403,125 | $487,250 | $605,525 | $83,000 |
| Mcclain | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Mccurtain | $314,827 | $403,125 | $487,250 | $605,525 | $71,000 |
| Mcintosh | $314,827 | $403,125 | $487,250 | $605,525 | $46,000 |
| Murray | $314,827 | $403,125 | $487,250 | $605,525 | $56,000 |
| Muskogee | $314,827 | $403,125 | $487,250 | $605,525 | $84,000 |
| Noble | $314,827 | $403,125 | $487,250 | $605,525 | $117,000 |
| Nowata | $314,827 | $403,125 | $487,250 | $605,525 | $62,000 |
| Okfuskee | $314,827 | $403,125 | $487,250 | $605,525 | $41,000 |
| Oklahoma | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Okmulgee | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Osage | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Ottawa | $314,827 | $403,125 | $487,250 | $605,525 | $63,000 |
| Pawnee | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Payne | $314,827 | $403,125 | $487,250 | $605,525 | $140,000 |
| Pittsburg | $314,827 | $403,125 | $487,250 | $605,525 | $70,000 |
| Pontotoc | $314,827 | $403,125 | $487,250 | $605,525 | $96,000 |
| Pottawatomie | $314,827 | $403,125 | $487,250 | $605,525 | $90,000 |
| Pushmataha | $314,827 | $403,125 | $487,250 | $605,525 | $76,000 |
| Roger Mills | $314,827 | $403,125 | $487,250 | $605,525 | $63,000 |
| Rogers | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Seminole | $314,827 | $403,125 | $487,250 | $605,525 | $55,000 |
| Sequoyah | $314,827 | $403,125 | $487,250 | $605,525 | $120,000 |
| Stephens | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Texas | $314,827 | $403,125 | $487,250 | $605,525 | $95,000 |
| Tillman | $314,827 | $403,125 | $487,250 | $605,525 | $32,000 |
| Tulsa | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Wagoner | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Washington | $314,827 | $403,125 | $487,250 | $605,525 | $110,000 |
| Washita | $314,827 | $403,125 | $487,250 | $605,525 | $46,000 |
| Woods | $314,827 | $403,125 | $487,250 | $605,525 | $98,000 |
| Woodward | $314,827 | $403,125 | $487,250 | $605,525 | $99,000 |
How are FHA loan limits determined?
The U.S. Department of Housing and Urban Development (HUD) sets limits each year for FHA loans, using a baseline (called “conforming”) limit that Fannie Mae and Freddie Mac use to decide how large of a loan they will take on.
The FHA loans use that number to find a floor and a ceiling — the floor is the highest loan the FHA will provide in low-cost areas, and the ceiling is the highest loan the FHA will provide in high-cost areas.
In 2019, the conforming limit is set at $484,350. The FHA’s floor, which is its limit in low-cost areas — calculated at 65 percent of the conforming limit — is $314,827 for 2019. The FHA’s limit for high-cost areas — 150 percent of the conforming limit — is $726,525 for 2019.
Here are the 2019 standard FHA limits for all property types:
- One-unit: $314,827
- Two-unit: $403,125
- Three-unit: $487,250
- Four-unit: $605,525
Here are the 2019 standard FHA limits for high-cost areas:
- One-unit: $726,525
- Two-unit: $930,300
- Three-unit: $1,124,475
- Four-unit: $1,397,400
Do you qualify for an FHA loan in Oklahoma?
If the mortgage you need meets the FHA loan limit requirements for your county in Oklahoma, then an FHA loan might be right for you. To see if you qualify for the loan in other ways — including your credit score, income and amount you have saved for a down payment — visit LendingTree’s FHA hub.
