USDA Vs. FHA your options comparison in Baldwin-City, Douglas County, KS
As of 2026, the USDA loan limit in Baldwin-City, within Douglas county, KS, is $285,000. The FHA limit for a single-family home, on the other hand, stands at $356,362.
Make use of Lendersa® USDA loan calculator to assess today's optimal rates for USDA compared to FHA, helping determine the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loan options side by side, assisting you in choosing the program that best matches your financial situation in .
2026 Loan Limits and Down Payment Requirements in Baldwin-City, Douglas County, KS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Baldwin-City, KS
Lendersa® is dedicated to swiftly securing you the best USDA or FHA loan available, without hassle. Start with one of the three available paths that enable you to find matching lenders and USDA loan programs.
A USDA home loan is a government-backed loan via the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require no down payment at all.
Mid America Bank is a locally-owned community bank committed to providing our customers great banking services, with a particularly heavy emphasis on residential real estate lending. We take pride in offering local underwriting and local servicing. We think this sets us apart and is what makes us the leading real estate lender in our market.
We are a locally owned community bank in Lawrence, KS committed to giving our customers the best service possible. At UNB, you can feel the difference when you walk in the door or talk to us on the phone. We remain true to our core purpose: to provide value-added banking services to the Lawrence community by sticking to what we know best.
4830 Bob Billings Pkwy, Suite 100A, Lawrence, KS, 66049
Lends in Kansas
We are a Kansas licensed mortgage broker which allows us to select the top lenders available to serve our customers. Our owners and staff are committed to providing our customers the lowest mortgage rates available from the very best wholesale mortgage lenders available. We offer most mortgage products available through FHA, VA, USDA,
First State Bank & Trust is an independent financial institution headquartered in Tonganoxie, Kansas. Our Bank has a long history of community service since our original charter in 1934 and that continues today in our locations in Tonganoxie, Basehor, Kansas City, Lawrence, and Perry, Kansas.
Home Loan Arrangers Providing solutions for home loans for all loan types: Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow Holdback, FHA Escrow Holdback. Purchases and Refinances. Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow.
Since 1927, the State Bank of Spring Hill has continuously provided our community with many banking options and services. We are one of the oldest family-owned banks in Johnson County with a solid reputation throughout the years.
We offer our customers old-time values mixed with progressive, automated banking services.
Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.
Mortgage Investment Services Corporation (“MISC”) is an independent mortgage banking company that provides home loan services solely and exclusively for the customers of 200+ financial institutions, mainly in under-served rural communities in Missouri, Kansas, Oklahoma, Colorado, & Nebraska.
The Topeka Firemen's Credit Union was established to foster economic democracy by bringing the ideal of economic freedom to our members through the use of money based upon the beneficial needs of the members and not greed. We promote thrift by receiving our Members' savings in the payment of shares and extend loans to our Members.
