In 2026, FHA loan limits for Independence, within Montgomery county, KS, are set at $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum available on a single-family residence is $726,200, rising to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to explore today’s best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator enables a thorough comparison of FHA rates and terms with those of all other loan programs. Consider Diverse options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Gathering data from thousands of lenders, Lendersa® offers fast, customized comparisons that align with your unique financial profile and individual needs.
The Loan Limits Comparison Table for 2026 in Independence, Montgomery, KS, provides insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amount limits. Assess qualification criteria including income, reserves, and credit with the help of 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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