For 2026, the FHA loan limits in Osawatomie, within Miami county, KS, are stipulated as follows: $472,030 for a single-family home, $604,400 for a property with two units, $730,525 for a three-unit residence, and $907,900 for homes with four units.
The maximum permissible loan amount for conventional loans on a single-family residence is $726,200. For homes with two units, the limit is $929,850; for three-unit properties, $1,123,900 is the cap, and for four-unit homes, it extends to $1,396,800.
Utilize our FHA calculator to explore today’s premier FHA rates and determine the downpayment, income requirements, credit standing, reserves, and vital documents necessary for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those from other loan programs. Delve into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, evaluating them against FHA standards.
Accessing data from thousands of lenders, Lendersa® provides detailed comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Osawatomie, located in Miami, KS, elucidates maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess incomes, reserves, and credit requirements.
| 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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