Explore the differences! FHA VS Conventional loan programs in Columbus, Cherokee County, Kansas

This year, 2026, the loan limit for conventional loans in Columbus, within the confines of Cherokee, KS, is $726,200, whereas the FHA limit for a single-family residence is $472,030.

Take advantage of the Lendersa® Conventional loan calculator to compare the best rates available today for Conventional, FHA, and USDA loans. Assess the necessary income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator presents you with Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in deciding which program in KS is most appropriate for your specific financial situation.

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2026 Loan Limits and Downpayment Requirements in Columbus, Cherokee, KS

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Note: This comparison table pertains to the following zip codes: 66725

Conventional and FHA Loan Choices in Columbus, KS

The mission of Lendersa® is to provide you with the optimal Conventional, USDA, or FHA loan swiftly and without the hassle. Choose one of three starting points that align you with matching lenders and loan programs.

Results for USDA loan requests and matching at Lendersa


Columbus Lenders

  • The Baxter State Bank
  • 1401 Military Avenue, Baxter Springs, KS, 66713
  • Lends in Kansas
  • The history of a bank is often the story of people; its founders, its shareholders, its employees and its customers. It is people who have made The Baxter State Bank the oldest currently operating business in Baxter Springs and Cherokee County.

    In the early 1900s, though not yet a “boom” town, Baxter Springs was enjoying comfortable growth.

  • American Bank of Baxter Springs Baxter Springs
  • 1201 Military Avenue, Baxter Springs, KS, 66713
  • Lends in Kansas
  • The American National Bank was organized with Lou Cardin as its Chairman and president in 1917. Chartered as the third bank in Baxter Springs and capitalized for $50, 000.00, the company was composed of R.I. Walker, W.T. Apple, L.L. Cardin, Dr. Boswell and others. The Bank purchased property at the corner of Military & River Streets.

  • Kansas Teachers Community Credit Union
  • 416 North Broadway Street, Pittsburg, KS, 66762
  • Lends in Kansas
  • Kansas Teachers Community Credit Union has been open since 1949. It's the 15th largest credit union in Kansas with assets totaling $136.7 Million and providing banking services to more than 13,000 members.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans

  • Labette Bank
  • PO Box 497, Altamont, KS, 67330
  • Lends in Kansas
  • Labette Bank is a trustworthy community bank that serves the people and businesses of Southeast Kansas.

    Labette Bank was founded in 1915 by a group of businessmen who strongly believed in the people and businesses of our area. Their founding beliefs are still the cornerstone of our banking philosophy.