FHA Loan Limits in Oklahoma (2026)
For 2026, the FHA loan limit in most Oklahoma counties is $541,287 for a single-family home. Oklahoma has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Oklahoma
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Oklahoma County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tulsa County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cleveland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Canadian County | $541,287 | $692,997 | $1,041,072 | Standard |
| Comanche County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rogers County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wagoner County | $541,287 | $692,997 | $1,041,072 | Standard |
| Payne County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pottawatomie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Muskogee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Creek County | $541,287 | $692,997 | $1,041,072 | Standard |
| Garfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| Grady County | $541,287 | $692,997 | $1,041,072 | Standard |
| McClain County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carter County | $541,287 | $692,997 | $1,041,072 | Standard |
| Stephens County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kay County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bryan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Osage County | $541,287 | $692,997 | $1,041,072 | Standard |
| Logan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Le Flore County | $541,287 | $692,997 | $1,041,072 | Standard |
| Delaware County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Oklahoma
FHA loans are popular with first-time buyers in Oklahoma because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Oklahoma for 2026?
- Most Oklahoma counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Oklahoma?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.