USDA Vs. FHA your options comparison in Baxter-Springs, Cherokee County, KS
For 2026, the USDA loan limit in Baxter-Springs, situated in Cherokee county, KS, is $285,000. In contrast, the FHA cap for a single-family home stands at $356,362.
Utilize Lendersa® USDA loan calculator to compare the prevailing USDA and FHA rates. This tool helps you assess the income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you to choose the program that best fits your financial needs in .
2026 Loan Limits and Down Payment Requirements in Baxter-Springs, Cherokee County, KS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Baxter-Springs, KS
The mission of Lendersa® is to quickly provide you with the best USDA or FHA loan without hassle. Start by choosing one of three initial paths to be matched with lenders and explore USDA loan programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans are offered with no down payment at all.
The history of a bank is often the story of people; its founders, its shareholders, its employees and its customers. It is people who have made The Baxter State Bank the oldest currently operating business in Baxter Springs and Cherokee County.
In the early 1900s, though not yet a “boom” town, Baxter Springs was enjoying comfortable growth.
The American National Bank was organized with Lou Cardin as its Chairman and president in 1917. Chartered as the third bank in Baxter Springs and capitalized for $50, 000.00, the company was composed of R.I. Walker, W.T. Apple, L.L. Cardin, Dr. Boswell and others. The Bank purchased property at the corner of Military & River Streets.
Our goal is help you achieve your dreams as you build your business.We offer best-in-class products to improve your productivity, whether it is automating your payroll deposits or streamlining your cash management, so you can focus on what you do best – growing your business. CBW is a financial services company based out of 109 E Main St, Weir, KS.
Kansas Teachers Community Credit Union has been open since 1949. It's the 15th largest credit union in Kansas with assets totaling $136.7 Million and providing banking services to more than 13,000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans
