For 2026, the FHA loan limits in Baldwin-City, nestled within Douglas county, KS, stand at $356,362 for a single-family home. For a property with two units, the limit is $456,275. For those with three units, it's $551,500, and for four-unit structures, the limit reaches $685,400.
The maximum amount you can borrow with conventional loans on a single-family residence is $548,250. For a two-unit home, it increases to $702,000, for three units the cap is $848,500, and for four-unit homes, it's topped at $1,054,500.
Utilize our FHA calculator to view the most favorable FHA rates available today and establish what downpayment, income, credit status, reserves, and documents will be necessary for qualification.
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The Lendersa® calculator enables a side-by-side comparison of FHA rates and terms with other loan programs. Engage with options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, each compared alongside FHA possibilities.
Lendersa® aggregates expansive loan program data from over a thousand lenders, providing immediate comparisons tailored to your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Baldwin-City, Douglas, KS, offers a comprehensive overview of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess essential qualification requirements like income, reserves, and credit scoring.
| 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 |
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