2026 loan limits in Osage County, Oklahoma
In Osage County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Osage County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Osage County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Osage County?
$541,287 for a one-unit home.
More for Osage County
Osage County property taxesFHA loan limits toolOklahoma closing costsBarnsdall 74002 market dataBartlesville 74003 market dataFairfax 74637 market dataHominy 74035 market dataOsage 74054 market dataPawhuska 74056 market dataPonca City 74604 market dataPrue 74060 market dataShidler 74652 market dataSkiatook 74070 market data
2026 limits from HUD’s county files (Tulsa, Ok). Conforming limits are set by the Federal Housing Finance Agency.