USDA and FHA Pro and Con in Arkansas-City, Cowley County, KS
For 2026, the USDA loan limit in Arkansas-City, located in Cowley County, KS, stands at $285,000, while the FHA limit for a single-family home is $356,362.
Make use of the Lendersa® USDA loan calculator to evaluate the top USDA against FHA rates today, identifying the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs, aiding in your decision-making for the best solution for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Arkansas-City, Cowley County, KS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Arkansas-City, KS
The objective of Lendersa® is to promptly arrange the best USDA or FHA loan for you with ease. Select one of three pathways that lead to compatible lenders and fitting USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, commonly referred to as a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that need a minimum of 3.5% down payment, USDA loans require no down payment.
The Ark Valley Credit Union was formed in 1955 as the Rodeo Credit Union for employees of Maurer-Neuer, Inc. The Credit Union was opened to Cowley County residents in 1979 and the name changed to Ark Valley Credit Union in 1990. In 2003, Ark Valley Credit Union merged with the Rainbow Credit Union and opened a branch office in Winfield.
Impact Bank was created by the April 2, 2012 merger of Caldwell State Bank and First National Bank in Wellington. Both financial institutions were healthy, long-standing community banks serving local families and businesses for generations. Caldwell State Bank was founded in 1928 and First National Bank in Wellington began in 1879.
The Bank of Commerce and Trust Company, formerly known as the National Bank of Commerce, can trace its roots to the oldest bank in Wellington, the Woods Bank. In October of 1873 Mr. John J. Woods opened the Woods Bank at the southwest corner of Washington and 7th Streets in a frame building. For several years,
502 North Merchant Street, Belle Plaine, KS, 67013
Lends in Kansas
The Valley State Bank is a community bank that has operated under the same name since it was founded in 1897. Since establishment, the financial institution has grown and opened branch locations in Derby, KS and Wichita, KS.
Valley State Bank has been accorded the special recognition of Blue Ribbon Bank
Our purpose at Carson Bank is to strengthen our home communities by providing knowledgeable and trustworthy financial solutions to fulfill individual, commercial, and public financial needs. The As your trusted advisor and friend, We are attentive, caring, and accommodating to every customer who visits our bank.
The Stock Exchange Bank of Caldwell, the oldest banking institution in Caldwell and Sumner County, received its state charter on November 12, 1881 and opened on Christmas Eve, December 24, 1881. The stone building erected to house the bank in 1881 at a cost of $5,000, has undergone several remodeling projects
White Eagle Credit Union, founded in 1935, and with branches in Augusta, El Dorado and Newton, Kansas, is a “Refreshingly personal. Remarkably advanced.” financial cooperative providing outstanding service with a dedication to helping members improve their financial well-being. White Eagle provides advanced mobile and online banking services.
Citizens Bank of Kansas is a state bank that specializes in hometown banking needs. CBK has maintained its commitment to helping build strong communities by offering traditional banking services including residential, commercial, and consumer loans, as well as a broad range of deposit accounts for retail and commercial customers.
