USDA Vs. FHA Pro and Con comparison in De-Soto, Johnson County, KS
In 2026, the USDA loan limit for De-Soto, in the county of Johnson, KS, is set at $311,800, whereas the FHA limit for a single-family home is $389,850.
Use the Lendersa® USDA loan calculator to evaluate today's best rates for USDA versus FHA loans. This helps determine the required income, credit score, reserves, and documents necessary for qualification. Our robust mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the optimal program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in De-Soto, Johnson County, KS
Loan Type
Loan Limit
Down Payment
USDA
$311,800
0%
FHA
$389,850
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Choices in De-Soto, KS
Lendersa® is committed to connecting you with the most suitable USDA or FHA loan swiftly and effortlessly. Choose from one of the three initial steps that align you with matching lenders and USDA loan options.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture. These loans are solely for rural areas and have the significant advantage of requiring no down payment, unlike FHA loans, which demand a minimum of 3.5% down.
Home Loan Arrangers Providing solutions for home loans for all loan types: Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow Holdback, FHA Escrow Holdback. Purchases and Refinances. Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow.
Mortgage Investment Services Corporation (“MISC”) is an independent mortgage banking company that provides home loan services solely and exclusively for the customers of 200+ financial institutions, mainly in under-served rural communities in Missouri, Kansas, Oklahoma, Colorado, & Nebraska.
Investment Capital Partners LLC provides 30-Year Rental Loans, Short Term Financing, Fix and Flip Financing, Fix to Rent Financing, Cash Out, Commercial Lending and Investment Lending to several states. We also offer residential rehab loans, portfolio lending, and commercial loans.
The CommunityAmerica story began on March 19, 1940. We were founded by George Duvall, who believed airline employees would appreciate a credit union dedicated to them. He was right, and TWA Club Credit Union, as we were originally known, took off.In 1992, as the Credit Union continued to grow, it changed its name to Members America Credit Union.
And we help credit unions bring their members home.
Credit union members rely on their credit union for all the big and small moments of their lives. With one big exception for most of them, their home mortgages. While more than 1 in 3 Americans belong to a credit union,"
Affinity Mortgage provides borrowers from across America with some of the best VA, FHA, Conventional and Jumbo mortgages anywhere. And our staff of friendly and dedicated mortgage professionals are ready to make your home purchase or refinance a seamless transaction.We our known for our great Conventional, VA, FHA, USDA and more
Peak Asset Lending is a direct private money lender for residential properties in 25 states across The USA. With over $150 million in loans closed since our inception, we strive to provide our clients with swift and efficient funding for their real estate needs. Our loan types include purchase, refinance, cash out, fix and flip
12510 W 62nd Terrace, Suite 104, Shawnee, KS, 66216
Lends in Kansas
KUMC Credit Union was established in 1954 and is chartered by the State of Kansas. Our Credit Union is a not-for-profit financial cooperative owned by its members. Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit.
Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.
