In 2026, the FHA loan limits for Ottawa in Franklin county, KS, are set at $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three units, and $907,900 for four-unit buildings.
For conventional loans, the maximum amount you can borrow for a single-family residence is $726,200. It increases to $929,850 for two-unit properties, $1,123,900 for three-unit homes, and $1,396,800 for those with four units.
To discover today’s top FHA rates, utilise our FHA calculator which will also guide you through the required downpayment, income, credit check, reserves, and necessary documents for qualification.
The Lendersa® calculator helps you assess FHA rates and terms in comparison with those of other loan programs. Investigate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® collects extensive loan program data from thousands of lenders, providing rapid comparisons customized to your unique financial profile and specific needs.
The Loan Limits Comparison Table for 2026 within Ottawa, Franklin, KS, allows for a comprehensive perspective on maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit.
| 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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