For the year 2026 in Johnson county, within Olathe, KS, FHA loan limits are specified as follows: for a single-family dwelling, the limit is $472,030, for two units it is $604,400, for three units $730,525, and for properties with four units, the limit is set at $907,900.
Regarding conventional loans, the highest amount you can secure for a single-family home is $726,200. For properties with two units, the maximum is $929,850; for three-unit homes, it's $1,123,900, and for four units, the cap is $1,396,800.
Our FHA calculator offers an insight into the current top FHA rates. It helps you figure out what's required for the downpayment, income levels, credit standing, reserves, and documentation needed to qualify for a loan.
The Lendersa® calculator allows you to extensively evaluate FHA rates and conditions alongside those of all other available loan programs. You can explore and compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® sources detailed data from an extensive array of lenders, which it uses to provide fast and tailored comparisons, aligned with your distinct financial situation and needs.
The Loan Limits Comparison Table for 2026 in the Olathe area of Johnson, KS, offers a comparative outlook on maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification requirements such as income levels, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is a valuable tool.
| 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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