For 2026, the FHA loan limits in Arkansas-City, located in Cowley county, KS, are as follows: $356,362 is the maximum for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for properties with four units.
The maximum conventional loan amount for a single-family residence is $548,250. For properties with two units, it is $702,000; for three units, it's $848,500; and four-unit homes have a cap of $1,054,500.
Utilize our FHA calculator to discover today's optimal FHA rates and evaluate the needed downpayment, income, credit score, reserves, and required documents for loan qualification.
The Lendersa® calculator lets you assess FHA rates and terms against other loan programs. Delve into Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA for comprehensive comparisons.
Lendersa® pulls extensive loan program data from thousands of lenders, offering quick and personalized comparisons to match your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Arkansas-City, Cowley, KS, provides a detailed overview of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification criteria such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
