FHA VS Conventional loan programs in 2026 for De-Soto, Johnson County, Kansas

In 2026, the Conventional loan limit in De-Soto, located in the county of Johnson, KS, is $647,200. For FHA loans, the limit for a single-family home is $431,250.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates between Conventional, FHA, and USDA loans. Discover what income, credit, reserves, and documentation are necessary to qualify. Our advanced mortgage calculator lets you see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the best available program in KS for your financial situation.

Explore loan offers from 100 different lenders

Loan Limits and Downpayment Requirements in De-Soto, Johnson County, KS for 2026

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $311,800 0%
FHA $431,250 3.5%

This table is applicable to the following zip codes: 66018

Conventional and FHA Loan Options in De-Soto, KS

The mission of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan for you swiftly and with ease. Choose one of three starting options to connect with compatible lenders and their loan programs.

Discover USDA loan requests and results with Lendersa


De-Soto Lenders

  • HOME LOAN ARRANGERS
  • 11850B S Homestead Ln, Olathe, KS, 66061
  • Lends in Kansas
  • Home Loan Arrangers Providing solutions for home loans for all loan types: Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow Holdback, FHA Escrow Holdback. Purchases and Refinances. Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow.

  • Mortgage Investment Services Corp
  • 22316 Midland Drive, Shawnee, KS, 66226
  • Lends in Kansas
  • Mortgage Investment Services Corporation (“MISC”) is an independent mortgage banking company that provides home loan services solely and exclusively for the customers of 200+ financial institutions, mainly in under-served rural communities in Missouri, Kansas, Oklahoma, Colorado, & Nebraska.

  • CommunityAmerica Credit Union
  • 9777 Ridge Dr, Lenexa, KS, 66219
  • Lends in Kansas
  • The CommunityAmerica story began on March 19, 1940. We were founded by George Duvall, who believed airline employees would appreciate a credit union dedicated to them. He was right, and TWA Club Credit Union, as we were originally known, took off.In 1992, as the Credit Union continued to grow, it changed its name to Members America Credit Union.

  • TRUHOME SOLUTIONS
  • 9601 Legler Road, Lenexa, KS, 66219
  • Lends in Kansas
  • "We’re TruHome.

    And we help credit unions bring their members home.

    Credit union members rely on their credit union for all the big and small moments of their lives. With one big exception for most of them, their home mortgages.
    While more than 1 in 3 Americans belong to a credit union,"

  • Affinity Mortgage LLC
  • 8725 Rosehill Road, Suite 109, Lenexa, KS, 66215
  • Lends in Kansas
  • Affinity Mortgage provides borrowers from across America with some of the best VA, FHA, Conventional and Jumbo mortgages anywhere. And our staff of friendly and dedicated mortgage professionals are ready to make your home purchase or refinance a seamless transaction.We our known for our great Conventional, VA, FHA, USDA and more

  • KUMC Credit Union
  • 12510 W 62nd Terrace, Suite 104, Shawnee, KS, 66216
  • Lends in Kansas
  • KUMC Credit Union was established in 1954 and is chartered by the State of Kansas. Our Credit Union is a not-for-profit financial cooperative owned by its members. Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit.

  • Union National Mortgage Co
  • 204 West St, Tonganoxie, KS, 66086
  • Lends in Kansas
  • Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.

  • First State Bank and Trust
  • 609 Vermont Street, Lawrence, KS, 66044
  • Lends in Kansas
  • First State Bank & Trust is an independent financial institution headquartered in Tonganoxie, Kansas. Our Bank has a long history of community service since our original charter in 1934 and that continues today in our locations in Tonganoxie, Basehor, Kansas City, Lawrence, and Perry, Kansas.

  • Kendall Bank
  • 11225 College Blvd, Suite 150, Overland Park, KS, 66210
  • Lends in Kansas
  • For more than 120 years, Kendall Bank has been dedicated to helping individuals, families, and businesses achieve their financial goals.

    Today, we remain committed to providing every customer with an exceptional all-inclusive banking experience that combines big-bank expertise and technology