In the year 2026, the FHA loan limits set for Clay-Center, located in the county of Clay, KS, include $356,362 for a single-family home. For properties with two units, it is $456,275; for those comprising three units, the limit is $551,500; and for residences with four units, it rises to $685,400.
The maximum amount available through conventional loans on a single-family residence is $548,250. This extends to $702,000 for two-unit properties, $848,500 for those with three units, and culminates at $1,054,500 for four-unit homes.
Utilize our FHA calculator to discover today’s optimal FHA rates and evaluate the necessary downpayment, income requirements, credit rating, reserves, and documents to qualify.
The Lendersa® calculator allows you to compare FHA rates and across various other loan programs. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA to make an informed choice.
Lendersa® aggregates loan program data from thousands of lenders, enabling swift comparisons customized to your financial profile and specific needs.
For 2026, the Loan Limits Comparison Table in Clay-Center, within Clay, KS, provides insights into the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification standards such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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