In 2026, FHA loan limits for Pratt, located in Pratt county, KS, are as follows: $472,030 applies to single-family homes, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for those with four units.
The highest amount available for conventional loans on a single-family residence is $726,200. It extends to $929,850 for properties with two units, $1,123,900 for three units, and $1,396,800 for four-unit dwellings.
Use our FHA calculator to explore today's optimal FHA rates and determine the needed downpayment, income level, credit score, reserves, and necessary documents for qualification.
The Lendersa® calculator provides the means to compare FHA rates and terms against all other loan program options. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
With data sourced from thousands of lenders, Lendersa® delivers fast, bespoke comparisons tailored to your financial profile and specific needs.
This year, 2026, in Pratt, Pratt, KS, use the Loan Limits Comparison Table to analyze maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs like income, reserves, and credit, you can 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 | $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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