FHA VS Conventional loan programs in 2025 for Gardner, Johnson County, Kansas

In 2025, the maximum loan limit for a Conventional loan in Gardner, part of Johnson county, KS is $726,200. For a single-family home, the FHA loan limit is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's top Conventional, FHA, and USDA rates, determining the income, credit, savings, and documents necessary for qualification. Our advanced mortgage tool lays out Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the best fit in KS for your financial situation.

Compare loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in Gardner, Johnson County, KS

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $345,000 0%
FHA $472,030 3.5%

The comparison table is relevant for zip codes: 66030

Options for Conventional and FHA Loans in Gardner, KS

The aim of Lendersa® is to swiftly connect you with the best possible Conventional, USDA, or FHA loan with minimal hassle. Choose from three starting points to match lenders and suitable loan programs.

Lendersa USDA loan request and matching results


  • Clear Mortgage
  • 325 Southwest Boulevard, Kansas City, MO, 64108
  • We're a full service Mortgage Lending Team from origination to servicing after the loan closes.Our main focus is communication & closing on time!The home buying process can be stressful, cumbersome & overwhelming.At Clear Mortgage we pride ourselves at putting the customer experience first.Simplified process, top-notch technology & no lender fees.
  • Armed Forces Bank
  • 1111 Main Street, Suite 1600, Kansas City, MO, 64105
  • Armed Forces Bank is a family-owned business dedicated to supporting the financial well-being of the individuals and businesses within our communities. We provide a wide variety of affordable, competitively priced, and easily accessible credit and retail banking services through an extensive network of branche.
  • Holy Rosary Credit Union
  • 533 Campbell Street, Kansas City, MO, 64106
  • We offer Online Banking, Visa Credit Cards, Financial Education, Checking and Savings accounts, Secured and Unsecured Loans and Mortgages. We also offer Credit Builder education, Preparing for a Mortgage education and Business accounts. Holy Rosary Credit Union is a financial cooperative owned by all its members.
  • Commerce Bank
  • 1000 Walnut Street, Kansas City, MO, 64106
  • At Commerce Bank, we know life’s best moments can come with some financial complexity. Our job is to help people and businesses navigate challenges so they can get back to focusing on what matters most. We do this by getting to know our customers and communities and accepting their goals as our own to deliver the right financial solutions.
  • Bank Midwest
  • 1111 Main St, Kansas City, MO, 64106
  • Bank Midwest is a leading community banking franchise, headquartered in Kansas City, Missouri. We serve clients throughout Missouri & Kansas by providing a comprehensive portfolio of products and services to meet the needs of commercial, consumer and small business clients. As we grow, our goal is to continue to deliver a superior level of service.
  • Kansas City Credit Union
  • 5110 Ararat Drive, Kansas City, MO, 64129
  • We are growing and are currently looking to fill positions to help us expand our business focused team. To see what jobs are currently available and to join the KCCU family click the following link: http://www.kccu.net/careers.html Kansas City Credit Union began more than 75 years ago, in 1940, serving the employees of Kansas City, MO
  • Greater KC Public Safety Credit Union
  • 2800 E 14th Street, Kansas City, MO, 64127
  • Greater KC Public Safety Credit Union is a not-for-profit member-owned financial institution welcoming all public safety employees & their family members in the Kansas City metro area, or anywhere in the state of Missouri or Kansas. It is the only credit union in Kansas City solely dedicated to serving public safety agencies, & has been since 1934.
  • United Fidelity Funding Corp
  • 1300 NW Briarcliff Parkway, Suite 275, Riverside, MO, 64150
  • United Fidelity Funding is recognized for being the gold standard of home loan mortgages. We show our clients that there are mortgage companies that you can rely on & trust by providing best-in-class service, competitive interest rates & cutting-edge technology. Between working with our experienced loan experts and having no underwriting overlays.
  • Burlington Northtown Community Credit Union
  • 1002 Swift Street, North Kansas City, MO, 64116
  • Founded in 1928 by the employees of Burlington Railroad employees as a not-for-profit financial cooperative; BNCCU is now the oldest and one of the strongest community-chartered credit union's in the Kansas City metro. As a community credit union, we remain small enough to know and serve our members on a personable level
  • First Option Bank
  • 502 Market Street, La Cygne, KS, 66040
  • In 1923, First Option Bank (fka First National Bank) opened for business in Osawatomie, Kansas. We continue to be a locally-owned bank today and over the decades have expanded to the communities of LaCygne, Louisburg, Paola and Spring Hill. business in Osawatomie, Kansas. We continue to be a locally-owned bank today.
  • Edison Credit Union
  • 4200 East Front Street, Kansas City, MO, 64120
  • We are a Full Service Credit Union located in North Kansas City. We offer: Auto Loans, Personal Loans, Share Secured Loans, Mortgage Loans, Home Equity Loans, Savings Accounts, Checking Accounts, Kids Club Accounts, Investment Accounts, Christmas and Vacation Club Accounts, ATM and Debit Cards, Visa Credit Cards, Money Orders,
  • Bayer Credit Union
  • 8400 Hawthorne Road, Kansas City, MO, 64120
  • Bayer Credit Union is a proud participant of Invest In America, a discount program that brings our members valuable savings on the things they use most. Credit untion members can save big with trusted US companies through various discounts. So, whether you're looking to save on something as large as a new vehicle