In 2026, the FHA loan limits within Colby, located in Thomas county, KS, are set as follows: $472,030 applies for a single-family home; for two-unit properties, it's $604,400; for three-unit residences, $730,525, and $907,900 for homes with four units.
Regarding conventional loans, the ceiling for a single-family home is $726,200. For two-unit dwellings, the limit is $929,850; for three, it's $1,123,900; and for four-unit properties, it's set at $1,396,800.
Our FHA calculator can help you find today's prime FHA rates, and ascertain the necessary downpayment, income level, credit rating, reserves, and documents needed to qualify.
The Lendersa® calculator empowers you to compare FHA rates and terms with other loan programs. Dive into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles extensive loan data from thousands of lenders, enabling fast, customized comparisons suited to your specific financial profile and needs.
For 2026 in Colby, Thomas, KS, the Loan Limits Comparison Table details maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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