Here at Consumer Real Estate Finance Co., we are committed to helping the residents of the Sooner State realize their dream of homeownership. Whether you are a first time homeowner or looking to move into something a little larger, we will serve as your guide through the entire USDA Rural Development Loan application process.

If you are considering one of these no money down, government backed loans, the benefits of the Oklahoma USDA Loan program include:

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for Oklahoma Residents
  • No PMI and no Money Down

Oklahoma Areas that Qualify for Rural Development Loans

To qualify for an Oklahoma USDA Loan, the home in question must fall within in a Rural Development eligible area. (Visit our USDA Loan Eligibility page to quickly find out if your property qualifies)
Qualifying area property guidelines include:

  • Being located outside a major metropolitan area
  • Having a population of less than 20,000 residents

It is important to note that just because these loans have the phrase “rural development attached,” they have nothing to do with farming. Areas located all over Oklahoma qualify – some of which lie right outside major metropolitan areas. To learn more, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Oklahoma’s USDA Loan Income Limits By County

Part two of qualifying for a USDA Rural Development Loan comes down to income limits. In short, your total annual income cannot exceed the maximum amount set for your county. These USDA Loan income limits for Oklahoma communities include:

Oklahoma USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:OKLAHOMA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Le Flore County OK HUD Metro FMR Area VERY LOW INCOME 16400 18750 21100 23400 25300 27150 29050 30900
LOW INCOME 26200 29950 33700 37450 40450 43450 46450 49450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawton OK MSA VERY LOW INCOME 19200 21950 24700 27400 29600 31800 34000 36200
LOW INCOME 30700 35100 39450 43850 47350 50850 54350 57900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Metro FMR Area VERY LOW INCOME 18900 21600 24300 27000 29200 31350 33500 35650
LOW INCOME 30250 34550 38900 43200 46650 50100 53550 57000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pawnee County OK HUD Metro FMR Area VERY LOW INCOME 17900 20450 23000 25550 27600 29650 31700 33750
LOW INCOME 28650 32700 36800 40900 44150 47450 50700 54000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tulsa OK HUD Metro VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Adair County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alfalfa County OK VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Atoka County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beaver County OK VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beckham County OK VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Blaine County OK VERY LOW INCOME 19050 21800 24500 27200 29400 31600 33750 35950
LOW INCOME 30450 34800 39150 43500 47000 50450 53950 57400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bryan County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Caddo County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carter County OK VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cherokee County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Choctaw County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cimarron County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Coal County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cotton County OK VERY LOW INCOME 19150 21900 24650 27350 29550 31750 33950 36150
LOW INCOME 30650 35000 39400 43750 47250 50750 54250 57750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Craig County OK VERY LOW INCOME 18000 20550 23100 25650 27750 29800 31850 33900
LOW INCOME 28750 32850 36950 41050 44350 47600 50900 54200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Custer County OK VERY LOW INCOME 19600 22400 25200 28000 30250 32500 34750 37000
LOW INCOME 31350 35850 40300 44800 48400 51950 55550 59150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Delaware County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dewey County OK VERY LOW INCOME 18900 21600 24300 27000 29200 31350 33500 35650
LOW INCOME 30250 34550 38900 43200 46650 50100 53550 57000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ellis County OK VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Garfield County OK VERY LOW INCOME 19050 21800 24500 27200 29400 31600 33750 35950
LOW INCOME 30450 34800 39150 43500 47000 50450 53950 57400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Garvin County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grant County OK VERY LOW INCOME 19300 22050 24800 27550 29800 32000 34200 36400
LOW INCOME 30850 35300 39700 44100 47650 51150 54700 58200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greer County OK VERY LOW INCOME 18000 20600 23150 25700 27800 29850 31900 33950
LOW INCOME 28750 32900 37000 41100 44400 47700 50950 54250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harmon County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harper County OK VERY LOW INCOME 20600 23550 26500 29400 31800 34150 36500 38850
LOW INCOME 32950 37650 42350 47050 50800 54600 58350 62100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Haskell County OK VERY LOW INCOME 18100 20700 23300 25850 27950 30000 32100 34150
LOW INCOME 28950 33100 37200 41350 44650 47950 51250 54600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hughes County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County OK VERY LOW INCOME 19300 22050 24800 27550 29800 32000 34200 36400
LOW INCOME 30850 35300 39700 44100 47650 51150 54700 58200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Johnston County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kay County OK VERY LOW INCOME 18700 21400 24050 26700 28850 31000 33150 35250
LOW INCOME 29900 34150 38450 42700 46100 49550 52950 56350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kingfisher County OK VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kiowa County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Latimer County OK VERY LOW INCOME 18800 21500 24200 26850 29000 31150 33300 35450
LOW INCOME 30050 34350 38650 42950 46400 49800 53250 56700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Love County OK VERY LOW INCOME 18700 21400 24050 26700 28850 31000 33150 35250
LOW INCOME 29900 34150 38450 42700 46100 49550 52950 56350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Major County OK VERY LOW INCOME 20650 23600 26550 29450 31850 34200 36550 38900
LOW INCOME 32950 37700 42400 47100 50850 54650 58400 62150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marshall County OK VERY LOW INCOME 18000 20600 23150 25700 27800 29850 31900 33950
LOW INCOME 28750 32900 37000 41100 44400 47700 50950 54250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mayes County OK VERY LOW INCOME 19150 21850 24600 27300 29500 31700 33900 36050
LOW INCOME 30600 34950 39350 43700 47200 50700 54200 57700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McCurtain County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McIntosh County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Murray County OK VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Muskogee County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Noble County OK VERY LOW INCOME 19100 21800 24550 27250 29450 31650 33800 36000
LOW INCOME 30500 34900 39250 43600 47100 50600 54050 57550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Nowata County OK VERY LOW INCOME 18300 20900 23500 26100 28200 30300 32400 34500
LOW INCOME 29250 33400 37600 41750 45100 48450 51750 55100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Okfuskee County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ottawa County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Payne County OK VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pittsburg County OK VERY LOW INCOME 18700 21400 24050 26700 28850 31000 33150 35250
LOW INCOME 29900 34150 38450 42700 46100 49550 52950 56350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pontotoc County OK VERY LOW INCOME 18900 21600 24300 27000 29200 31350 33500 35650
LOW INCOME 30250 34550 38900 43200 46650 50100 53550 57000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pottawatomie CountyOK VERY LOW INCOME 18400 21000 23650 26300 28400 30500 32600 34700
LOW INCOME 29450 33700 37900 42100 45450 48850 52200 55550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pushmataha County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Roger Mills County OK VERY LOW INCOME 20250 23150 26050 28900 31250 33550 35850 38150
LOW INCOME 32400 37000 41650 46250 49950 53650 57350 61050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Seminole County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stephens County OK VERY LOW INCOME 20100 22950 25800 28650 30950 33250 35550 37850
LOW INCOME 32100 36700 41250 45850 49500 53200 56850 60500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Texas County OK VERY LOW INCOME 21250 24250 27300 30300 32750 35150 37600 40000
LOW INCOME 33950 38800 43650 48500 52400 56250 60150 64000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tillman County OK VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington County OK VERY LOW INCOME 20900 23900 26900 29850 32250 34650 37050 39450
LOW INCOME 33450 38200 43000 47750 51550 55400 59200 63050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washita County OK VERY LOW INCOME 20100 22950 25800 28650 30950 33250 35550 37850
LOW INCOME 32100 36700 41250 45850 49500 53200 56850 60500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Woods County OK VERY LOW INCOME 22050 25200 28350 31450 34000 36500 39000 41550
LOW INCOME 35200 40250 45250 50300 54300 58350 62350 66400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Woodward County OK VERY LOW INCOME 21850 25000 28100 31200 33700 36200 38700 41200
LOW INCOME 34950 39900 44900 49900 53900 57900 61900 65850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for an Oklahoma Rural Development Loan, contact us today.