FHA VS Conventional loan programs in 2026 for 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.

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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.

Investigate USDA loan requests and results with Lendersa


  • 365 Lending, LLC
  • 3160 Haggerty Rd, STE P., West Bloomfield, MI, 48323
  • 365 Lending, LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust that when we say we

  • CLEAR LENDING GROUP
  • 7270 Glascott Ave, West Bloomfield, MI, 48323
  • Here at Clear Lending Group, we believe in putting transparency and personal touch back into the mortgage process. From your first conversation with us, you will experience firsthand our personal approach to each situation.

    In addition, our expertise will allow us to tailor an option to the specifics of your file.

  • LOC Credit Union
  • 22981 Farmington Road, Farmington, MI, 48336
  • At LOC Credit Union, we’re ready for you.

    No matter where you are in life, we’re dedicated to taking you further.
    That first savings account where every dollar matters. That vehicle for which costs and need can conflict. That home that can be the foundation for life or a burden. Those dreams you’ve always had.

  • Regal Home Lending
  • 25882 Orchard Lake Rd L-11, Farmington, MI, 48336
  • Regal Home Lending was founded on the principals of hard work, honesty, and integrity; the three things no one can ever take away from a great mortgage broker. Regal Home Lending specializes in thinking outside the box. Every client is treated with white glove service to make the dream of owning a home, become a reality.

  • 22nd State Bank
  • 51 St. Joseph St., Mobile, AL, 36602
  • 22nd State Bank has been evolving for over 100 years but our mission has remained the same – meeting the financial needs of our customers, providing exceptional personalized customer service and serving our local communities. Our continued success is a product of the way we’ve remained the same. We care about relationships.

  • ATA National Lender Services
  • 31440 Northwestern Highway, Suite 100, Farmington, MI, 48334
  • ATA National Title Group is a full-service title insurance agency providing comprehensive title and settlement services to companies and individuals involved in real estate transactions. We are licensed to issue title insurance in 27 states and offer title and settlement services in all 50 states. We additionally maintain 47 offices, staffed by 423

  • Level One Bank
  • 32991 Hamilton Court, Farmington, MI, 48334
  • Level One Bank is a full-service community bank headquartered locally in Farmington Hills, Michigan with locations throughout Metro Detroit, Ann Arbor, Jackson and Grand Rapids.

    Level One bankers are experienced, enthusiastic, and committed to personalized service. Most of our bankers escaped the constraints of a larger bank in search

  • Elite Home Funding
  • 30500 Northwestern Hwy, Suite 100, Farmington, MI, 48334
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Reverse Mortgages of Michigan
  • 31100 Northwestern Hwy, Farmington, MI, 48334
  • David J. Blatt specializes in residential lending services. As a reverse mortgage expert, he has been practicing for over 30 years and has been on the board of directors of the Michigan Brokers Association. This achievement led him to receive the Excellence Award from the Financial Freedom Senior Funding Corporation.

  • Option 1 Mortgage LLC
  • 28275 Orchard Lake Road, Suite 102, Farmington, MI, 48334
  • Option 1 Mortgage LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Turbo Mortgage Funding LLC
  • 31700 West 13 Mile Road, Suite 113, Farmington, MI, 48334
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.