USDA Vs. FHA your options comparison in Colby, Thomas County, KS
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.
2026 Loan Limits and Down Payment Requirements in Colby, Thomas County, KS
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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.
Mutual Security Credit Union aspires to be the preeminent financial partner that is committed to developing trusted relationships with our members by providing responsible advice and making impactful community investments to position our staff, members and our Community for success.
William Raveis Real Estate, Mortgage & Insurance sets the gold standard for civilized real estate. Raveis.com is at the forefront of technology, serving as a wealth of information for the potential home buyer or seller with detailed searches and open houses, neighborhood mapping, market statistics and graphs.
Quantum Mortgage we excel at providing local New York & Connecticut borrowers the resources and guidance to successfully purchase or refinance their home.As a mortgage brokerage, all Quantum employees work for the borrowers & not the bank.Our goal each day is to help our clients receive great customer service, great low rates & quick closing times.
Waterbury CT Teachers Federal Credit Union (WCTFCU) is a member-owned, not-for-profit financial institution offering personal accounts, loans, and credit cards, with competitive rates and exceptional service, to our members. Our 19, 000+ membership includes current, former & retired teachers, school staff, administrators, and their families.
I have been in the mortgage business since 1992. Early in my career I quickly learned attention to detail and staying current with lending programs and regulations is pivotal in setting the stage for the smoothest mortgage process for a consumer. While everyone strives for the perfect process,
Block Financial Resources, we operate for the sole purpose of providing low-cost mortgage financing to all qualified clients. We distinguish ourselves from our competition by providing information, education and client advocacy that borrowers would otherwise not receive. Built on the principles of service and accountability.
We pride ourselves on personal service in our comfortable, friendly office in the heart of downtown St. James. We’ll take the time to learn as much as we can about your goals, and do everything possible to help you achieve them. From the moment you walk through our door, until long after closing.
1377 Motor Parkway, Suite 100, Hauppauge, NY, 11749
Summit Funding Solutions Offers the Financing That You Need, Summit Funding Solutions in a national name in commercial finance and business loans. Whether you are starting a new business or have an established company that needs capital, we offer a wide range of products and services to meet your needs.
At Sikorsky Credit Union, we believe that the financial choices you make today, like where you bank, can help you live a better life tomorrow. We are very proud to be named the #1 Credit Union in Connecticut by Forbes in both 2020 and 2021. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Main Street Mortgage was founded by David Bigley in 1996. David has been helping Connecticut residents finance their homes for over 34 years.David is an active member in the Stratford community as a volunteer for Merton House Soup Kitchen, Fairfield Prep Fathers Club and coach for Sterling House Youth Sports Basketball and Soccer.
