In 2026, the FHA loan limits for Gardner, located within Johnson county, KS, are as follows: $472,030 is set for a single-family home, $604,400 applies to two-unit properties, $730,525 is for three-unit properties, and $907,900 is for four-unit buildings.
Conventional loan limits are $726,200 for a single-family home. For properties with two units, it's $929,850, for those housing three units, it is $1,123,900, and four-unit residences are capped at $1,396,800.
Our FHA calculator helps you determine today's premiere FHA rates while assessing necessary downpayments, income levels, credit scores, reserves, and documentation for qualification.
Lendersa® offers a calculator enabling comparison of FHA rates and terms with those of a wide array of other loan programs. Discover and evaluate options from Conventional loans, Jumbo loans, VA, USDA, Non-QM, to hard money loans, all with FHA.
Lendersa® gathers expansive loan program data from numerous lenders, delivering quick comparisons tailored to your specific financial profile and needs.
Detailed in the Loan Limits Comparison Table for 2026 in Gardner, Johnson, KS, are the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria, including income, reserves, and credit, 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 | $345,000 | $345,000 | $345,000 | $345,000 |
| 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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