USDA Loan Vs. FHA loan for Colby, KS 2026

In 2026, the USDA loan ceiling in Colby, located in the county of Thomas, KS, is $336,500. Meanwhile, for a single-family home, the FHA cap is $472,030.

To compare the prevailing USDA and FHA rates today, use Lendersa® USDA loan calculator. It assists in determining the income, credit score, reserves, and documents required for eligibility. With our cutting-edge mortgage calculator, see USDA, FHA, Conforming, and VA loans side by side to determine which program in best suits your financial situation.

Exploring USDA and FHA Loan Options in Colby, KS

The goal of Lendersa® is to quickly connect you with the most suitable USDA or FHA loan, free of hassle. Begin by selecting one of three starting points to match with the ideal lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KS

A USDA home loan, known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and exclusively available in rural neighborhoods. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans demand no down payment whatsoever.

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Colby Lenders
(785) 460-3321 Lender's profile and map Farmers & Merchants Bank of Colby 240 W 4th ST, Colby, KS, 67701 Lends in Kansas Farmers & Merchants Bank is Colby's only locally chartered community bank with two locations in Colby for customer convenience. We are a full service institution to satisfy all the financial needs of our customers! We are proud to be a part of Colby and NW Kansas. As a local community bank, we understand the importance.
(785) 672-3251 Lender's profile and map The Farmers State Bank of Oakley, Kansas 100 Center Avenue, Oakley, KS, 67748 Lends in Kansas At Farmers State Bank, we’re proud of over 100 years of service to the community and our community bank status. Our bank was chartered on March 18, 1907, and we are located in Logan County in Northwest Kansas. Our parent holding company is Security Bancshares, Inc. Oakley is located on I-70, Highway 83 and Highway 40.
(620) 872-7224 Lender's profile and map Security State Bank 117 North 4th Street, Leoti, KS, 67861 Lends in Kansas Security State Bank is a full-service community bank located in Scott County, Kansas. On April 24, 1961, Security State Bank of Scott City opened its doors to the public with capital and surplus of $150 thousand dollars. Today the bank’s total assets are over $300 million dollars with total capital in excess of $44 million dollars.
(785) 877-5191 Lender's profile and map United Northwest Federal Credit Union 912 N Archer Avenue, Norton, KS, 67654 Lends in Kansas United Northwest Federal Credit Union, originally United Co-op Credit Union, was organized in July of 1949 by local area farmers of Norton and Lenora. Annual meetings were held at the co-op station in Norton, with 27 members present at the first meeting. In 1975 a name change took place, making it United Northwest Federal Credit Union.
(620) 397-5324 Lender's profile and map The First National Bank of Dighton 105 East Long, Dighton, KS, 67839 Lends in Kansas First National Bank of Dighton has been a member of this community for over 100 years. It was pioneer spirit that transformed Dighton from a settlement on the prairie into a thriving agricultural center for wheat and cattle. We at First National Bank take pride in that spirit, Dighton.