Oklahoma FHA Loan Limits 2026

View FHA loan limits for all 77 counties in Oklahoma. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Oklahoma has 77 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Adair County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Alfalfa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Atoka County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Beaver County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Beckham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Blaine County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bryan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caddo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Canadian Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cherokee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Choctaw County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cimarron Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cleveland Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coal County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Comanche Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cotton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Craig County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Creek County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Custer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Delaware Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dewey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ellis County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Garfield Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Garvin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grady County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grant County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harmon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harper County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Haskell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hughes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnston Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kingfisher Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kiowa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Latimer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Le Flore Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Logan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Love County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Major County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marshall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mayes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcclain County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mccurtain Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcintosh Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Murray County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Muskogee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Noble County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nowata County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Okfuskee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oklahoma Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Okmulgee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Osage County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ottawa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pawnee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Payne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pittsburg Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pontotoc Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pottawatomie C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pushmataha Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roger Mills Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rogers County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Seminole Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sequoyah Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stephens Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Texas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tillman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tulsa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wagoner County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washita County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Woods County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Woodward Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Oklahoma

Use the calculator below with Oklahoma pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in Oklahoma

FHA loan limits in Oklahoma vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Oklahoma's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.