FHA Loan Limits in Delaware County, Oklahoma (2026)
From Delaware County, FHA buyers in Delaware County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Delaware County, from Delaware County outward, and sit alongside the limits set for neighboring Oklahoma and Tulsa Counties.
What can you buy with FHA in Delaware County?
Homes around Delaware County carry an estimated local median near $181,000, so an FHA buyer in Delaware County puts down about $6,335 (3.5%). With Oklahoma's 0.89% effective property-tax rate, the all-in payment runs near $1,425 a month — comfortable on household income around $55,000, under Oklahoma's $61,364 median household income.
FHA payment scenarios in Delaware County
FHA payments across Delaware County price points — from entry homes near Delaware County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $130,000 | $4,550 | $1,057 |
| Local median — $181,000 | $6,335 | $1,425 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Delaware County too — get notified.
In Delaware County and the surrounding Delaware County market, FHA's appeal is the math: $6,335 down on a $181,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Delaware County
Delaware County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Delaware County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Delaware County for 2026?
- In Delaware County (Delaware County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Delaware County with FHA?
- For a median-priced ($181,000) Delaware County home, plan on income around $55,000 at a 31% housing ratio — about $1,425/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Delaware County?
- 3.5% with a 580+ score — roughly $6,335 on a $181,000 Delaware County-area home. Gift funds are allowed.
- Is Delaware County a high-cost FHA area?
- No — Delaware County uses the $541,287 national floor for one unit.