Explore the differences! FHA VS Conventional loan programs in Merriam, Johnson County, Kansas

In 2026, within the county of Johnson in Merriam, KS, the limit for a Conventional loan is $726,200. Meanwhile, the FHA loan limit for a single-family home is $472,030.

The Lendersa® Conventional loan calculator is an essential tool for comparing the best rates available today across Conventional, FHA, and USDA loans. Determine required income, credit, reserves, and documents for qualification. Our advanced calculator compares Conforming Conventional, USDA, FHA, and VA loans side by side, helping you find the best program in KS for your specific financial situation.

Compare a range of loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2026 in Merriam, Johnson County, KS

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

This comparison table is applicable to the zip codes: 66203

Conventional and FHA Loan Options in Merriam, KS

The primary aim of Lendersa® is to secure the most suitable Conventional, USDA, or FHA loan for you quickly and without any delay. Select one of three entry points to connect with matching lenders and corresponding loan programs.

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Merriam Lenders

  • Heartland Mortgage Consultants, LLC
  • 10000 W 75th St, Suite 120, Shawnee, KS, 66203
  • Lends in Kansas
  • At Heartland Mortgage Consultants, LLC, we are known for our client-centric approach and extensive industry knowledge and experience. We take pride in obtaining a good referral rate brought by our unparalleled customer service. Heartland Mortgage Consultants, LLC provides you with a broad range of mortgage products to achieve your financial goals.

  • SM Federal Credit Union
  • 6029 Broadmoor Street, Mission, KS, 66202
  • Lends in Kansas
  • SM Federal Credit Union was founded on September 15, 1960, under the name of SM Postal Federal Credit Union. We started in the basement of the Main Shawnee Mission Post Office, where we still reside today. On January 31, 1974 our charter was amended to include Federal Aviation Administration employees in Olathe.

  • First Fidelis
  • 6025 Metcalf Ln, Suite, Suite 210A, Overland Park, KS, 66202
  • Lends in Kansas
  • At First Fidelis, LLC, we know that buying a home is a big decision, and we understand how important it is to choose the loan that’s right for you. As a premier low interest refinance lender in Kansas City, First Fidelis was founded by Lance Richards, whose mission was to offer all our clients the best loans available.

  • Crossroads Investment Lending
  • 7803 Shawnee Mission Parkway, Mission, KS, 66202
  • Lends in Kansas
  • Crossroads Investment Lending provide short-term funding for real estate investments in the Kansas City Metro. We provide the bridge funding so you, the investor, can buy and rehab and sell more properties

    One of the most difficult hurdles for todays real estate investors is to obtain funding for the purchase and rehab of their residential inves

  • RFS Funding
  • 8001 Conser, Suite 210, Overland Park, KS, 66204
  • Lends in Kansas
  • Business owners no longer have to rely on traditional banks for finding business capital. From lines of credit, RE investor loans, equipment or invoice financing, we offer a variety of financing solutions at competitive interest rates and terms. We work one-on-one with our clients to help align them with the funding programs that best meet their ne

  • 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.

  • Elite Mortgage Group, LLC
  • 7301 Mission Road, Suite 254B, Prairie Village, KS, 66208
  • Lends in Kansas
  • Founded in 2014 and located in the Kansas City, MO area. Licensed in MO, KS, CO, FL, and GA. We have been in the Mortgage service business for over 6 successful years. This longevity and confidence comes from our Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.

  • Fountain Mortgage
  • 7501 Mission Rd, Suite 200, Prairie Village, KS, 66208
  • Lends in Kansas
  • Founded right here in the City we love, Fountain Mortgage combines more than 50 years of lending, banking and financial services expertise to provide our clients with an enjoyable and empowering experience. Our goal is to enable you, with education and guidance, to make an informed financial decision best suited to meet your needs.

  • Argentine Federal Savings
  • 3004 Strong Avenue, Kansas City, KS, 66106
  • Lends in Kansas
  • Argentine Federal Savings, Member FDIC, is a true community savings and loan that exists solely to serve our neighbors in the greater Kansas City area. Since 1906, we have been an integral part of the community providing financial services to generations of families and fellow businesses.