USDA Vs. FHA your options comparison in Concordia, Cloud County, KS
In 2026, the USDA loan limit for Concordia, in the county of Cloud, KS, is $336,500, whereas the FHA limit for a single-family home stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare current USDA and FHA rates to determine the income, credit score, reserves, and documentation necessary for qualification. With our comprehensive mortgage calculator, review USDA, FHA, Conforming, and VA options side by side to decide which program in aligns best with your financial goals.
2026 Loan Limits and Down Payment Requirements in Concordia, Cloud 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 Concordia, KS
The aim of Lendersa® is to connect you with the best USDA or FHA loan as swiftly and effortlessly as possible. Choose one of three initial steps to be paired with matching lenders and explore USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is intended exclusively for rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans need no down payment at all.
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.
The Guaranty State Bank & Trust Company had its beginnings during the days following the First World War. During the war times bank charters were easy to come by, and two new banks started business in Beloit. The result was five banks competing for business. We have five locations, Beloit, Jewell, Burr Oak, Esbon, & Smith Center.
As the First National Bank of Beloit, we opened our doors for business on July 29, 1884, at the corner of Main and Mill. Five generations of service later, we are now chartered as a state bank under our new name, First Bank of Beloit. Although our “official” charter date is now August 5, 2019,
A credit union is defined as "a cooperative association organized to promote thrift among its members and accumulate a fund from these savings to make needed loans to members for useful purposes at reasonable interest rates." This was the theory that started Farmway Credit Union back in 1950 and still holds true today.
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.
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,
Since establishing business in 1887, the bank has built its reputation on personal service and community promotion. Family owned and locally operated in the communities of Tescott, Lincoln, Salina, and Lindsborg, The Bank of Tescott strives to provide customers with a competitive array of loan and deposit products that aid in their financial succes
