FHA VS Conventional loan in Colby, Thomas County, Kansas
In 2026, the Conventional loan limit for Colby, located in Thomas county, KS, is $726,200, while the FHA limit for a single-family home stands at $472,030.
Utilize the Lendersa® Conventional loan calculator to assess today's leading rates for Conventional, FHA, and USDA loans. Identify necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, facilitating your decision on the best program in KS to fit your financial situation.
Loan Limits and Downpayment Requirements in Colby, Thomas County, KS for 2026
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table pertains to zip codes: 67701
Discover Conventional and FHA Loan Options in Colby, KS
The objective of Lendersa® is to swiftly secure the optimal Conventional, USDA, or FHA loan for you without hassle. Choose one of three starting pathways to connect with matching lenders and their loan offerings.
Farmers & Merchants Bank is Colby's only locally chartered community bank with two locations in Colby for customer convenience. We are a full service institution to satisfy all the financial needs of our customers!
We are proud to be a part of Colby and NW Kansas. As a local community bank, we understand the importance.
At Farmers State Bank, we’re proud of over 100 years of service to the community and our community bank status. Our bank was chartered on March 18, 1907, and we are located in Logan County in Northwest Kansas. Our parent holding company is Security Bancshares, Inc. Oakley is located on I-70, Highway 83 and Highway 40.
Security State Bank is a full-service community bank located in Scott County, Kansas. On April 24, 1961, Security State Bank of Scott City opened its doors to the public with capital and surplus of $150 thousand dollars. Today the bank’s total assets are over $300 million dollars with total capital in excess of $44 million dollars.
Accomplish your financial goals with help from your community banking partner—Western State Bank in Garden City. Our family-owned, local bank proudly serves seven Western Kansas communities. Through our first-class personal and business banking solutions, we have the products, services and expertise our customers need to achieve their goals.
The Farmers Credit Union was founded in 1953. The first location was an office located in the Farmers Co-op Building. The original capital was obtained by proceeds from a bake sale. Anyone who is a resident of Ellis County or adjoining counties is eligible to be a member of the Farmers Credit Union.
At Golden Belt Bank, we take great pride in delivering our products in the manner our customer wants them. We strive to establish long-term relationships with our customers and our community. Every day, we get to help write the story. Because we believe one successful story builds one successful family,
