For 2026, the FHA loan limit in Emporia, located within Lyon county, KS, is determined as $472,030 for a single-family dwelling. For a property comprising two units, it stands at $604,400, for three units it’s $730,525, and for those with four units, the limit is $907,900.
The maximum amount available under conventional loans for a single-family residence is $726,200. This extends to $929,850 for two units, $1,123,900 for three units, and reaches $1,396,800 for four-unit properties.
Our FHA calculator is a handy tool for discovering top FHA rates currently available and determining the required downpayment, necessary income, credit ratings, reserves, and the documentation needed to qualify.
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The Lendersa® calculator offers the capability to compare FHA rates and terms with those from various other loan programs. It allows for an in-depth analysis of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA terms.
Lendersa® aggregates and analyses loan program data sourced from thousands of lenders, ensuring a rapid comparison suited to your unique financial profile and needs.
This current 2026, the Loan Limits Comparison Table in Emporia, Lyon, KS, offers an overview of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess criteria such as income, reserves, and credit requirements, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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