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2025 FHA Loan Limits in Oklahoma

Phil Metzger
Written by Phil Metzger
Brianna McGurran
Edited by Brianna McGurran
Updated on: January 17, 2025 Content was accurate at the time of publication.
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Mortgages insured by the Federal Housing Administration, known as FHA loans, have more lenient requirements than other home loans. That makes them a solid option for those with credit score challenges or lean down payment savings.

FHA loans come with limits, however, meaning there’s a maximum amount you’re allowed to borrow based on your location. The FHA loan limit for all single-family homes in Oklahoma is $524,225. Read on for more details about FHA loan limits, and how to qualify.

Oklahoma FHA loan limits by county

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ADAIR$524,225$671,200$811,275$1,008,300$69,000
ALFALFA$524,225$671,200$811,275$1,008,300$40,000
ATOKA$524,225$671,200$811,275$1,008,300$80,000
BEAVER$524,225$671,200$811,275$1,008,300$58,000
BECKHAM$524,225$671,200$811,275$1,008,300$115,000
BLAINE$524,225$671,200$811,275$1,008,300$75,000
BRYAN$524,225$671,200$811,275$1,008,300$155,000
CADDO$524,225$671,200$811,275$1,008,300$70,000
CANADIAN$524,225$671,200$811,275$1,008,300$245,000
CARTER$524,225$671,200$811,275$1,008,300$132,000
CHEROKEE$524,225$671,200$811,275$1,008,300$126,000
CHOCTAW$524,225$671,200$811,275$1,008,300$70,000
CIMARRON$524,225$671,200$811,275$1,008,300$25,000
CLEVELAND$524,225$671,200$811,275$1,008,300$245,000
COAL$524,225$671,200$811,275$1,008,300$56,000
COMANCHE$524,225$671,200$811,275$1,008,300$135,000
COTTON$524,225$671,200$811,275$1,008,300$135,000
CRAIG$524,225$671,200$811,275$1,008,300$105,000
CREEK$524,225$671,200$811,275$1,008,300$240,000
CUSTER$524,225$671,200$811,275$1,008,300$135,000
DELAWARE$524,225$671,200$811,275$1,008,300$156,000
DEWEY$524,225$671,200$811,275$1,008,300$63,000
ELLIS$524,225$671,200$811,275$1,008,300$124,000
GARFIELD$524,225$671,200$811,275$1,008,300$115,000
GARVIN$524,225$671,200$811,275$1,008,300$100,000
GRADY$524,225$671,200$811,275$1,008,300$245,000
GRANT$524,225$671,200$811,275$1,008,300$60,000
GREER$524,225$671,200$811,275$1,008,300$65,000
HARMON$524,225$671,200$811,275$1,008,300$40,000
HARPER$524,225$671,200$811,275$1,008,300$40,000
HASKELL$524,225$671,200$811,275$1,008,300$76,000
HUGHES$524,225$671,200$811,275$1,008,300$50,000
JACKSON$524,225$671,200$811,275$1,008,300$120,000
JEFFERSON$524,225$671,200$811,275$1,008,300$45,000
JOHNSTON$524,225$671,200$811,275$1,008,300$65,000
KAY$524,225$671,200$811,275$1,008,300$95,000
KINGFISHER$524,225$671,200$811,275$1,008,300$199,000
KIOWA$524,225$671,200$811,275$1,008,300$78,000
LATIMER$524,225$671,200$811,275$1,008,300$65,000
LE FLORE$524,225$671,200$811,275$1,008,300$85,000
LINCOLN$524,225$671,200$811,275$1,008,300$245,000
LOGAN$524,225$671,200$811,275$1,008,300$245,000
LOVE$524,225$671,200$811,275$1,008,300$132,000
MAJOR$524,225$671,200$811,275$1,008,300$110,000
MARSHALL$524,225$671,200$811,275$1,008,300$110,000
MAYES$524,225$671,200$811,275$1,008,300$135,000
MCCLAIN$524,225$671,200$811,275$1,008,300$245,000
MCCURTAIN$524,225$671,200$811,275$1,008,300$225,000
MCINTOSH$524,225$671,200$811,275$1,008,300$90,000
MURRAY$524,225$671,200$811,275$1,008,300$105,000
MUSKOGEE$524,225$671,200$811,275$1,008,300$123,000
NOBLE$524,225$671,200$811,275$1,008,300$85,000
NOWATA$524,225$671,200$811,275$1,008,300$88,000
OKFUSKEE$524,225$671,200$811,275$1,008,300$67,000
OKLAHOMA$524,225$671,200$811,275$1,008,300$245,000
OKMULGEE$524,225$671,200$811,275$1,008,300$240,000
OSAGE$524,225$671,200$811,275$1,008,300$240,000
OTTAWA$524,225$671,200$811,275$1,008,300$100,000
PAWNEE$524,225$671,200$811,275$1,008,300$240,000
PAYNE$524,225$671,200$811,275$1,008,300$210,000
PITTSBURG$524,225$671,200$811,275$1,008,300$87,000
PONTOTOC$524,225$671,200$811,275$1,008,300$140,000
POTTAWATOMIE$524,225$671,200$811,275$1,008,300$131,000
PUSHMATAHA$524,225$671,200$811,275$1,008,300$45,000
ROGER MILLS$524,225$671,200$811,275$1,008,300$98,000
ROGERS$524,225$671,200$811,275$1,008,300$240,000
SEMINOLE$524,225$671,200$811,275$1,008,300$66,000
SEQUOYAH$524,225$671,200$811,275$1,008,300$175,000
STEPHENS$524,225$671,200$811,275$1,008,300$110,000
TEXAS$524,225$671,200$811,275$1,008,300$140,000
TILLMAN$524,225$671,200$811,275$1,008,300$73,000
TULSA$524,225$671,200$811,275$1,008,300$240,000
WAGONER$524,225$671,200$811,275$1,008,300$240,000
WASHINGTON$524,225$671,200$811,275$1,008,300$150,000
WASHITA$524,225$671,200$811,275$1,008,300$85,000
WOODS$524,225$671,200$811,275$1,008,300$85,000
WOODWARD$524,225$671,200$811,275$1,008,300$124,000

How are FHA loan limits determined?

As outlined in the National Housing Act, FHA loan limits are calculated annually as a certain percentage of the conforming loan limit for conventional loans set by the Federal Housing Finance Agency (FHFA).

The lowest FHA loan limit is called the “floor.” It is set at 65% of the 2025 conforming loan limit of $806,500, making $524,225 the maximum amount you can borrow for a single-family home in all counties in Oklahoma.

In contrast, the highest FHA loan limit is called the “ceiling.” At 150% of the conforming loan limit, the most you can borrow is $1,814,625 for a single-family home in higher-cost areas of the country.

How to qualify for an FHA loan in Oklahoma

FHA loans may have less strict credit score and income requirements than conventional loans. However, there are certain eligibility rules for homebuyers to consider, including the following:

  • Minimum 500 to 580 credit score: A credit score of at least 580 is required to make a 3.5% down payment. With a score as low as 500, you’ll be required to put 10% down.
  • Proof of income history: You must provide proof of employment and income history for the past two years, including pay stubs for work from the previous 30 days.
  • Maximum 43% debt-to-income (DTI) ratio: Lenders typically require a DTI ratio of no more than 43%.
  • Primary residence: Homes purchased with FHA loans must be used as a primary residence for at least a year.
  • FHA home appraisal: You must follow specific FHA home appraisal guidelines to ensure the home meets certain safety standards.
  • Mortgage insurance: FHA loans require two types of FHA mortgage insurance with two separate payments. One is an upfront premium, totaling 1.75% of the loan amount, and the other is an annual premium ranging from 0.15% to 0.75% of the loan amount, which will be tacked on to each monthly payment.

Buying a multifamily property with an FHA loan

FHA loans are not limited to single-family homes. Borrowers can also purchase a multifamily home ranging from two to four units with as little as a 3.5% down payment. Eligibility requirements may vary from lender to lender, but the borrower requirements usually include:

  • Credit score of at least 500: You’ll need to put down 10% or more with a score of 500 to 579. Those with scores of 580 or higher can make a down payment of just 3.5%.
  • Debt-to-income ratio of 43% or less: Lenders will divide your total debt by your pretax income to evaluate your ability to repay the loan. To get an FHA loan, that ratio should be at or below 43%. If your ratio is higher, you can still qualify, but you’ll need a strong credit score and cash reserves.
  • Live in one of the units: The property should have two to four residential units, or, if it’s a mixed-use property, 51% of the square footage must be of residential use. You will need to live in one of the units for at least one year to qualify for the loan. The remaining units can be rented out to take advantage of a strategy sometimes called house hacking.
Number of unitsLow-cost FHA loan limit
Two$671,200
Three $811,275
Four $1,008,300

FHA lenders in Oklahoma

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