USDA Loan Vs. FHA loan for Bel-Aire, KS 2026

Throughout 2026, the USDA loan limit in Bel-Aire, situated in the county of Sedgwick, KS, is $285,000, whereas the FHA limit for a single-family residence is $356,362.

By using the Lendersa® USDA loan calculator, you can evaluate the most current USDA versus FHA rates to find the best deal. Determine the necessary income, credit score, reserves, and documentation needed to qualify. This advanced calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program for your financial situation in .

Explore USDA and FHA Loan Opportunities in Bel-Aire, KS

The mission of Lendersa® is to swiftly and efficiently connect you with the optimal USDA or FHA loan. Choose one of three starting points that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching outcomes

Defining USDA Loans in KS

USDA home loans are guaranteed by the U.S. Department of Agriculture, known as USDA rural development loans or USDA mortgages, intended for rural communities exclusively. Contrary to FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.

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(580) 718-4000 Lender's profile and map Reviews Cherokee Strip Credit Union 1508 East Prospect Avenue, Ponca City, OK, 74604 Cherokee Strip Credit Union provides some of the best banking, insurance, investment, and financial empowerment solutions in all of Oklahoma. Simply stop by or join us online, and treat yourself to a better way way of banking where you're not a customer - you're the owner. Cherokee Strip Credit Union (CSCU) Established in October 1933.
(785) 257-3226 Lender's profile and map Reviews The Citizens State Bank and Trust Company 1 North Broadway, Woodbine, KS, 67492 The Citizens State Bank & Trust Company has been providing customers with a range of financial services for over 90 years. The Citizens State Bank & Trust Company was organized and chartered in January 1921 with W. L. Johnson (bank president), JA Gillett (vice president). In 1923 Woodbine State Bank, originally opened in 1897 and incorporated
(620) 342-2336 Lender's profile and map Reviews Emporia State Federal Credit Union 310 W 12th Avenue, Emporia, KS, 66801 Emporia State Federal Credit Union began as a small financial institution in July of 1937, serving a "field of membership" of employees of two Emporia cooperatives. Through the years, ESFCU has continued to grow and expand while still preserving it's roots in the Emporia community.
(620) 342-0491 Lender's profile and map Reviews Credit Union Of Emporia 2711 West 15th Avenue, Emporia, KS, 66801 The Credit Union of Emporia was formed in 1953 by seven Santa Fe Railroad employees. It was originally called the “Emporia Santa Fe Credit Union”. In 1985, the members voted to change the name to “Credit Union of Emporia” to better reflect the membership, which represents many of the Lyon County employee groups.
(620) 342-3523 Lender's profile and map Reviews Lyon County State Bank 902 Merchant St., Emporia, KS, 66801 The Lyon County State Bank (LCSB) was chartered on June 27, 1913 and first opened for business at 508 Commercial Street, Emporia, Kansas, with Senator W. M. Price as President. The bank moved to 701 Commercial Street in 1956 and remained there until the current Main Bank facility was built in 1975 at 902 Merchant Street.
(785) 825-8100 Lender's profile and map Reviews The Mortgage Company 155 N 7th St, Salina, KS, 67401 We are available to meet with you in office, any time you like. It isn’t unusual to find our originators, meeting with borrowers and realtors early in the morning, early evening, or even on Saturday or Sunday. We do hope that you give us a call, stop in and see us, r take advantage of this great website and fill out an application online!
(785) 263-8400 Lender's profile and map Reviews The Dickinson County Bank 101 South Factory Street, Enterprise, KS, 67441 Dickinson County Bank The Dickinson County Bank of Enterprise, Kansas was chartered on June 2, 1894 as a result of a financial panic in 1887 that closed several area banks in Abilene, Hope, and Enterprise. The demand for banking was high and the bank was established to meet this demand.
(620) 378-2151 Lender's profile and map Reviews First National Bank in Fredonia 730 Madison, Fredonia, KS, 66736 Our mission as a community bank is to provide our local community with the highest quality of financial services. We strive to Maintain the public trust through safe and sound banking practices and enhance the financial strength of our bank. Promote healthy growth through diversified and quality services to our customers.
(580) 532-6611 Lender's profile and map Reviews The First State Bank of Pond Creek, Oklahoma 136 West Broadway, Pond Creek, OK, 73766 The First State Bank was established in 1893 in Pond Creek, making it one of the oldest full-service banking institutions in the State of Oklahoma. The First State Bank has been the hub of financial activity for many farmers and ranchers as well as the primary lending source for many Northwest Oklahoma businessmen.
(620) 672-5611 Lender's profile and map Reviews The Peoples Bank 222 S Main St., Pratt, KS, 67124 With long-term employees serving an excellent customer base, The Peoples Bank is a unique and financially strong community bank. We have offices in seven rural counties – Barber, Kingman, Kiowa, Osborne, Pratt, Russell and Smith – stretching from the Oklahoma border to the Nebraska border in Central Kansas.
(620) 245-4015 Lender's profile and map Reviews Peoples Bank and Trust 211 E. Santa Fe, Ellinwood, KS, 67526 In 1898, F.A. Vaniman accomplished a long time goal of opening his own bank. That bank was Peoples State Bank. Located at 101 South Main in downtown McPherson, that bank, now known as Peoples Bank & Trust Company is still located at the same location. Mr. Vaniman remained the president for 50 years until his retirement in 1948.
(580) 453-6702 Lender's profile and map Reviews Otoe-Missouria Federal Credit Union 7480 Highway 177, Suite A, Red Rock, OK, 74651 It is our mission to provide financial products, services, and education tailored to meet the unique needs of the Otoe-Missouria Tribe of Indians, its employees, and its businesses. When you join Otoe-Missouria Federal Credit Union, you become part of our family. We’re dedicated to supporting you and your financial goals.