FHA VS Conventional loan in Kearney, Clay County, Missouri

For the year 2026, the conventional loan limit set in Kearney in Clay, MO is $726,200. In contrast, the FHA loan limit is specified as $472,030 for a single-family dwelling.

Utilize Lendersa®'s Conventional loan calculator to evaluate today's top Conventional against FHA and USDA rates. With this tool, you'll ascertain the required income, credit rating, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator allows you to compare Conforming Conventional loans alongside USDA, FHA, and VA plans, enabling you to choose the ideal program for your unique financial circumstances in MO.

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2026 Loan Limits & Down Payment Requirements in Kearney, County of Clay, MO

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

The accompanying comparison table is applicable to these zip codes: 64060

Exploring Conventional and FHA Loan Options in Kearney, MO

The aim of Lendersa® is to facilitate access to the best Conventional, USDA, or FHA loans rapidly and seamlessly. You can choose from three initial points that will guide you to suitable lenders and loan programs.

Lendersa USDA loan request and matching results


Kearney Lenders

  • Mulberry Street Mortgage
  • 19 North Water Street, Liberty, MO, 64068
  • Lends in Missouri
  • Mulberry Street Mortgage, a dedicated professional will thoroughly evaluate your financial needs to help you qualify for a low rate mortgage that works within your budget. Our goal is to get you the most favorable rate possible while working to answer your questions, and make the application process a simple and smooth transition

  • Midwest Capital Mortgage, Inc.
  • 1201 Landmark Ave, Suite 3, Liberty, MO, 64068
  • Lends in Missouri
  • At Midwest Capital Mortgage, Inc. We are a full-service mortgage company based in Liberty, Missouri. We specialize in mortgages in Liberty, Kansas City, Overland Park, and Lenexa. We also serve the surrounding cities in Clay County, Platte County, Johnson County, and Jackson County.

  • KC Mortgage Guy
  • 1201 NE 92nd St, Kansas City, MO, 64155
  • Lends in Missouri
  • Will Fosters goal and aspiration is to provide you with such an incredible lending experience you will feel comfortable introducing the people you care about most to me. Looking forward, I see a huge opportunity to help an immense amount of people realize their financial goals, and it is my hope you will be right there alongside me.

  • National VA Loans
  • 6505 N. Prospect Ave, Suite 400, Gladstone, MO, 64119
  • Lends in Missouri
  • National VA Loans is one of the fastest growing VA mortgage brands in the United States. We are a brand that developed out of a pure, honest desire to help servicemen and women be able to buy a home and build the life of their dreams within that home. We are here to help you utilize the VA Loan programs.

  • First United Mortgage, LLC
  • 5440 N Oak Trfwy, Suite 200, Kansas City, MO, 64118
  • Lends in Missouri
  • First United Mortgage, L.L.C. is located in Kansas City, MO, United States and is part of the Activities Related to Credit Intermediation Industry. First United Mortgage, L.L.C. has 8 total employees across all of its locations and generates $2.31 million in sales (USD). (Employees and Sales figures are modelled).

  • United Consumers Credit Union
  • 1111 E 23rd Street, Independence, MO, 64050
  • Lends in Missouri
  • Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments

  • Square One Realty & Property Solutions LLC
  • 800 West Maple Avenue, Independence, MO, 64050
  • Lends in Missouri
  • Square One Solutions 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,

  • Edison Credit Union
  • 4200 East Front Street, Kansas City, MO, 64120
  • Lends in Missouri
  • 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
  • Lends in Missouri
  • 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