As of 2025, 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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