In the year 2026, the set FHA loan limits for the county of Sedgwick in KS are applicable within Wichita. They are structured as $472,030 for a residence with a single family, $604,400 for two dwelling units, $730,525 for three dwelling units, and $907,900 for structures housing four units.
Conversely, when looking at conventional loans, you can borrow up to $726,200 for a single-family home. The loan limit then extends to $929,850 for buildings with two units, $1,123,900 for those with three units, and caps at $1,396,800 for properties with four units.
To access today's most competitive FHA rates and understand the specifics regarding required downpayment, income level, credit standing, reserve funds, and required paperwork for qualification, utilize our detailed FHA calculator.
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Lendersa® offers a robust calculator that facilitates the comparison of FHA rates and terms against those offered by all other loan programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all analyzed with FHA as a benchmark.
Leveraging data aggregated from thousands of lenders, Lendersa® provides instantaneous, tailored comparisons that align with your distinct financial profile and unique requirements.
The Loan Limits Comparison Table for 2026 in Wichita, Sedgwick, KS, is designed to provide side-by-side comparisons of maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For those wanting to delve deeper into criteria like income, reserves, and credit requirements, Lendersa® offers the Super Loan Integrated Qualifier (SLIQ™), a powerful tool for comprehensive loan comparison and qualification analysis.
| 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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