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 USDA Loans in Oklahoma, 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 usda eligibility 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

Quick Scroll
STATE:OKLAHOMA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Fort Smith, AR-OK HUD Metro FMR Area
VERY LOW INCOME 18550 21200 23850 26450 28600 30700 32800 34950
Apply Now LOW INCOME 29600 33850 38050 42300 45700 49050 52450 55850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Le Flore County, OK HUD Metro FMR Area
VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
Apply Now LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cotton County, OK HUD Metro FMR Area
VERY LOW INCOME 21150 24150 27150 30150 32600 35000 37400 39800
Apply Now LOW INCOME 33800 38600 43450 48250 52100 55950 59850 63700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lawton, OK HUD Metro FMR Area
VERY LOW INCOME 21550 24600 27700 30750 33250 35700 38150 40600
Apply Now LOW INCOME 34450 39350 44300 49200 53150 57050 61000 64950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grady County, OK HUD Metro FMR Area
VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
Apply Now LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, OK HUD Metro FMR Area
VERY LOW INCOME 20400 23300 26200 29100 31450 33800 36100 38450
Apply Now LOW INCOME 32600 37250 41900 46550 50250 54000 57700 61450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Oklahoma City, OK HUD Metro FMR Area
VERY LOW INCOME 24300 27800 31250 34700 37500 40300 43050 45850
Apply Now LOW INCOME 38850 44400 49950 55500 59950 64400 68800 73250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Okmulgee County, OK HUD Metro FMR Area
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pawnee County, OK HUD Metro FMR Area
VERY LOW INCOME 20100 22950 25800 28650 30950 33250 35550 37850
Apply Now LOW INCOME 32100 36700 41250 45850 49500 53200 56850 60500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tulsa, OK HUD Metro FMR Area
VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
Apply Now LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Adair County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alfalfa County, OK
VERY LOW INCOME 22400 25600 28800 32000 34600 37150 39700 42250
Apply Now LOW INCOME 35850 40950 46100 51200 55300 59400 63500 67600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Atoka County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Beaver County, OK
VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
Apply Now LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Beckham County, OK
VERY LOW INCOME 23700 27100 30500 33850 36600 39300 42000 44700
Apply Now LOW INCOME 37900 43300 48750 54150 58500 62800 67150 71500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Blaine County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bryan County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Caddo County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carter County, OK
VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
Apply Now LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cherokee County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Choctaw County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cimarron County, OK
VERY LOW INCOME 20800 23750 26700 29650 32050 34400 36800 39150
Apply Now LOW INCOME 33200 37950 42700 47450 51250 55050 58850 62650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Coal County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Craig County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Custer County, OK
VERY LOW INCOME 20550 23500 26450 29350 31700 34050 36400 38750
Apply Now LOW INCOME 32850 37550 42250 46950 50700 54450 58200 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Delaware County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dewey County, OK
VERY LOW INCOME 22500 25700 28900 32100 34700 37250 39850 42400
Apply Now LOW INCOME 35950 41100 46200 51350 55450 59550 63650 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ellis County, OK
VERY LOW INCOME 24850 28400 31950 35500 38350 41200 44050 46900
Apply Now LOW INCOME 39750 45450 51100 56800 61350 65900 70450 75000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Garfield County, OK
VERY LOW INCOME 21200 24200 27250 30250 32700 35100 37550 39950
Apply Now LOW INCOME 33900 38700 43550 48400 52250 56150 60000 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Garvin County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grant County, OK
VERY LOW INCOME 22400 25600 28800 32000 34600 37150 39700 42250
Apply Now LOW INCOME 35850 40950 46100 51200 55300 59400 63500 67600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greer County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Harmon County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Harper County, OK
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Haskell County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hughes County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Johnston County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kay County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kingfisher County, OK
VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
Apply Now LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kiowa County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Latimer County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Love County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Major County, OK
VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
Apply Now LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marshall County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mayes County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McCurtain County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McIntosh County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Murray County, OK
VERY LOW INCOME 21450 24500 27550 30600 33050 35500 37950 40400
Apply Now LOW INCOME 34250 39150 44050 48950 52850 56800 60700 64600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Muskogee County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Noble County, OK
VERY LOW INCOME 22300 25500 28700 31850 34400 36950 39500 42050
Apply Now LOW INCOME 35650 40750 45850 50950 55050 59100 63200 67250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Nowata County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Okfuskee County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ottawa County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Payne County, OK
VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
Apply Now LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pittsburg County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pontotoc County, OK
VERY LOW INCOME 20650 23600 26550 29500 31900 34250 36600 38950
Apply Now LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pottawatomie County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pushmataha County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Roger Mills County, OK
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Seminole County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Stephens County, OK
VERY LOW INCOME 20800 23800 26750 29700 32100 34500 36850 39250
Apply Now LOW INCOME 33250 38000 42750 47500 51300 55100 58900 62700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Texas County, OK
VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
Apply Now LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tillman County, OK
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washington County, OK
VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
Apply Now LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washita County, OK
VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
Apply Now LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Woods County, OK
VERY LOW INCOME 27450 31400 35300 39200 42350 45500 48650 51750
Apply Now LOW INCOME 43900 50150 56450 62700 67700 72750 77750 82750
MOD.INC-GUAR.LOAN 90150 90150 90150 90150 119000 119000 119000 119000
Woodward County, OK
VERY LOW INCOME 25350 29000 32600 36200 39100 42000 44900 47800
Apply Now LOW INCOME 40550 46300 52100 57900 62550 67150 71800 76450
MOD.INC-GUAR.LOAN 83250 83250 83250 83250 109900 109900 109900 109900

 

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.