No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Oklahoma USDA Loans
My state-specific information
Eligibility Requirements – Oklahoma
Looking to buy a home the Sooner State? Take control with a home loan from the USDA. With no down payment or qualifying assets required, no maximum loan amount, and great fixed interest rates, you’d be hard-pressed to find a better financing option. Plus, the household income limit for a family of 1-4 in Oklahoma is $158,250, and the limit increases to $146,050 for families of 5 or more. Fill out the form above to get in touch with one of our USDA loan specialists and find out more about what a USDA loan can do for you.
The map below shows the areas of Oklahoma that qualify for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.
Oklahoma USDA Income Limits (Moderate Income – Guaranteed Loan)
All Oklahoma counties and metro areas follow the standard USDA income limit for 2025.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| All Oklahoma Counties & MSAs | $119,850 | $158,250 |
Important: USDA income limits are based on total household income — including income from all adult household members — not just the borrower(s).
If your total household income falls within the limit and the property is located in a USDA-eligible area, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Oklahoma USDA Eligibility
USDA loans are available throughout eligible rural and suburban areas across Oklahoma. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-approved location
- Provide a fast payment estimate
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, property location, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Oklahoma.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Oklahoma USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Oklahoma
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
