FHA VS Conventional loan in Clay-Center, Clay County, Kansas

In 2026, the limit for a Conventional loan in Clay-Center, county of Clay, KS, is $647,200. On the other hand, the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator for comparing the best current rates among Conventional, FHA, and USDA loans. Determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, assisting you to choose the right program in KS for your financial needs.

Explore loan offers from a selection of 100 lenders

2026 Loan Limits and Downpayment Requirements in Clay-Center, Clay County, KS

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table is applicable to the following zip codes: 67432

Your Options for Conventional and FHA Loans in Clay-Center, KS

Lendersa® aims to swiftly connect you with the best Conventional, USDA, or FHA loan, without hassle. Choose one of three pathways that link you with suitable lenders and loan programs.

See USDA loan requests and results with Lendersa


  • EMPERIQ FINANCIAL LLC
  • 7613 Jordan Blvd, Suite 100, West Jordan, UT, 84084
  • Emperiq believe the ability to have access to the best lenders & products across the country are the key to being able to lead in this industry.Not just for today,but more importantly,for tomorrow.Our ability to analyze each individual client & their unique situations & then match with the broad range of products that serve their needs the best.

  • The Mortgage Partner, Inc.
  • 1369 West 12600 South, Riverton, UT, 84065
  • The Mortgage Partner has been providing mortgage loans in Utah since 1993. Our Utah based company has over 40 years of combined lending experience. We are a mortgage broker which allows us the opportunity to work with multiple lenders—getting you the best rate possible. As a mortgage broker, we have access to many different lenders that others

  • CloseYour Mortgage Limited Liability Company
  • 1273 West 12600 South, Riverton, UT, 84065
  • CloseYour Mortgage has helped thousands of Utahns save on their upfront mortgage costs and monthly interest payments. Reach out and let our licensed professionals show you the sensible way to finance (or re-finance) your dream home. There are many types of mortgage loans available.

  • Sharp Lending Solutions, LLC
  • 14117 South Light Cahill Cove, Bluffdale, UT, 84065
  • Sharp Lending Solutions was formed out of a need to offer a better solutions for consumers, realtors and builders. William Sharp the owner and founder has spent 12 years as a loan officer, Broker and Principal Lending Manager prior to forming Sharp Lending Solutions. Many companies offer only single solutions, SLS offers a wide variety of lending.

  • Advocate Home Loans Inc.
  • 11774 Whatta View Place, Riverton, UT, 84065
  • Advocate Home Loans, Inc. (NMLS #315362) is committed to giving you the best rate, lowest closing cost, and timely service in the industry today. We want your business today and tomorrow, also from your family, friends, and associates. Our company is based on repeat business and referrals. We do apply the “Golden Rule”.

  • Intermountain Capital LLC
  • 1272 West 12700 South, Suite D, Riverton, UT, 84065
  • Intermountain Capital LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • National 1st Mortgage
  • 1602 West 13595, South Riverton, UT, 84065
  • National 1st Mortgage There are many loan officers and just as many different loan programs. There are only a few loan experts who can shop rates and loan programs to find a tailor made loan just for you and your home. Including VA, first time buyers, conventional, low income or a second place to get away from it all.

  • Community Lending Group
  • 1262 West 12700 South, Suite A, Riverton, UT, 84065
  • Community Lending Group, Inc. was established in October 2004 by Brett Andersen & Brad Taylor. A few months later Jeremy Smith joined the team and the owners set out to create a mortgage company that was built on a foundation of trust, integrity & honesty. We strive to treat our clients & our employees with the utmost respect that they deserve.

  • Varex Federal Credit Union
  • 1678 South Pioneer Road, Salt Lake City, UT, 84104
  • Our motto, ""Friends Helping Friends"" represents the credit union's desire to serve the Varex employees, retirees and their families by customizing our service to meet each member's unique needs.
    We want to be our members' financial institution of choice for loans and savings by offering highly competitive rates.

  • Wasatch Capital Mortgage
  • 697 North 240 East, Kaysville, UT, 84037
  • At Wasatch Capital Mortgage we strive to make you a “client for life” and a part of our mortgage family. We want to be your first choice each and every time you need a home loan. We have a reputation of going above and beyond for every single client. Our goal is to earn the level of trust that will make you to feel confident.