USDA Vs. FHA your options comparison in Clay-Center, Clay County, KS
In 2026, the USDA loan limit in Clay-Center, located in Clay county, KS, is set at $285,000 while for FHA, it is $356,362 for a single-unit residence.
Utilize the Lendersa® USDA loan calculator to analyze the most favorable USDA and FHA rates available today. This will help you understand the income criteria, credit score, reserves, and documentation necessary for qualification. By using our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan options side by side, enabling you to choose the best program suited to your financial needs in Alabama.
Loan limits and down payment requirements for 2026 in Clay-Center, Clay 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 Clay-Center, KS
The aim of Lendersa® is to swiftly and smoothly secure the most fitting USDA or FHA loan for you. Pick from three distinct starting points to connect with matching lenders and USDA loan offerings.
A USDA home loan, backed by the United States Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, specifically for rural areas. In contrast to FHA loans, which demand a minimum 3.5% down payment, USDA loans require no down payment.
C and R Credit Union, in Clay Center, offers a variety of services, including: checking and savings accounts; loans for new and used automobiles, boats, and motorcycles; machinery loans; even loans for jet skis, recreational vehicles, campers and 4-wheelers. Christmas loans and accounts are also available.
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.
The Bennington State Bank (BSB) is a community bank proudly serving Kansas for over 130 years with branches in Salina, Bennington, Minneapolis, Wamego, Sylvan Grove, and Lucas Kansas. BSB strives to be the community bank of choice in the regions we serve and we do so by being a trusted financial partner that operates with integrity,
At 9:00 P.M. on January 28th, 1946, our credit union was chartered as Manhattan CO-OP Credit Union and held its first monthly meeting of the Board of Directors. In an effort of helping even more Manhattan citizens, the credit union was moved to the university. The credit union changed its name to College Credit Union.
Community First National Bank was newly chartered on February 1, 2001 in response to the ownership change of several locally owned banks in the Manhattan market. We spent a great deal of time and put much thought into choosing our Community First name because it represents what we are all about; Community in the sense.
FNB Washington was originally chartered as a national bank in 1883, the same year the Brooklyn Bridge opened and the year Buffalo Bill Cody debuted his "Wild West Show". We've been around longer than radio, neon lights and crayons, Hershey bars and Duct tape. We were serving customers before Einstein published the Theory of Relativity
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
The Citizens National Bank is here to help your business. We offer a wide variety of products to include commercial and agricultural real estate loans, residential rental real estate loans, seasonal operating lines of credit, as well as, machinery and equipment financing. These are just a few ways we can help.
New Century Bank, Belleville and Manhattan Kansas was chartered in 1905 as a community bank in the small town of Munden Kansas in Republic County and moved to Belleville in 2005. A century later in 2015 we expanded banking operations to Manhattan Kansas, complete personal and business banking services.
