USDA Loan Vs. FHA loan for Derby, KS 2026

For 2026, the USDA loan limit in Derby, Sedgwick County, KS is set at $336,500, compared to the FHA limit of $472,030 for a single-family home.

Use the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, and determine required income, credit, reserves, and documentation for qualification. With our comprehensive mortgage calculator, you'll see USDA, FHA, Conforming, and VA options side by side, helping you choose the best solution for your financial situation in .

Discover USDA and FHA Loan Options in Derby, KS

Lendersa® is committed to securing the best USDA or FHA loan quickly and without hassle. Choose one of three beginning strategies to connect with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in KS

The USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is designed for rural areas exclusively. Unlike FHA loans which require at least a 3.5% down payment, USDA loans do not need any down payment.

Get top 10
USDA LENDERS
customized to yout needes

(620) 257-2316 Lender's profile and map Reviews Lyons Federal Bank 200 East Avenue South, Lyons, KS, 67554 Lyons Federal Bank's objective has always been to remain a sound institution for our customers' investment and loan needs. We are proud of the way we are able to meet those needs in a most efficient and friendly way. Lyons Federal Bank is still a locally owned, "hometown" bank with a long history of providing efficient,
(620) 378-2151 Lender's profile and map Reviews First National Bank in Fredonia 730 Madison, Fredonia, KS, 66736 Our mission as a community bank is to provide our local community with the highest quality of financial services. We strive to Maintain the public trust through safe and sound banking practices and enhance the financial strength of our bank. Promote healthy growth through diversified and quality services to our customers.
(580) 453-6702 Lender's profile and map Reviews Otoe-Missouria Federal Credit Union 7480 Highway 177, Suite A, Red Rock, OK, 74651 It is our mission to provide financial products, services, and education tailored to meet the unique needs of the Otoe-Missouria Tribe of Indians, its employees, and its businesses. When you join Otoe-Missouria Federal Credit Union, you become part of our family. We’re dedicated to supporting you and your financial goals.
(785) 366-7225 Lender's profile and map Reviews The First National Bank of Hope 112 N Main Street, Hope, KS, 67451 The First National Bank of Hope is a lengthy one. With almost 100 years of assisting our customers, we take pride in how we have grown in the communities we support. 1922 - The State Bank of Hope was sold to the Peoples State Bank 1923 - The Peoples State Bank was converted into a National Banking Charter named The First National Bank of Hop
(580) 874-2244 Lender's profile and map Reviews The Bank of Kremlin 102 6th Street, Kremlin, OK, 73753 The Bank of Kremlin was chartered May 21, 1900 in Kremlin, Oklahoma Territory, seven years before statehood. The bank was founded to provide deposit, bank draft and lending services to the town and local agricultural community. We believe our success is owed to our focus and dedication to customer service.
(620) 331-2265 Lender's profile and map Reviews FIRSTOAK BANK 113 N. Penn Ave, Independence, KS, 67301 FirstOak Bank’s mission is to continue to develop and sustain a sound, profitable institution that will generate reasonable returns for its stockholders, be a chosen place of employment, and serve the financial needs of its customer base and the communities it serves. we will exceed your expectations as a friendly.
(620) 331-9888 Lender's profile and map Reviews Gemini Funding Corp 322 N Pennsylvania Ave, Independence, KS, 67301 Welcome to Gemini Funding Corp., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific home loan needs, so we strive to meet those specific needs with a wide array of loan products, investment tools, mortgages
(620) 342-2336 Lender's profile and map Reviews Emporia State Federal Credit Union 310 W 12th Avenue, Emporia, KS, 66801 Emporia State Federal Credit Union began as a small financial institution in July of 1937, serving a "field of membership" of employees of two Emporia cooperatives. Through the years, ESFCU has continued to grow and expand while still preserving it's roots in the Emporia community.
(620) 342-0491 Lender's profile and map Reviews Credit Union Of Emporia 2711 West 15th Avenue, Emporia, KS, 66801 The Credit Union of Emporia was formed in 1953 by seven Santa Fe Railroad employees. It was originally called the “Emporia Santa Fe Credit Union”. In 1985, the members voted to change the name to “Credit Union of Emporia” to better reflect the membership, which represents many of the Lyon County employee groups.
(620) 342-3523 Lender's profile and map Reviews Lyon County State Bank 902 Merchant St., Emporia, KS, 66801 The Lyon County State Bank (LCSB) was chartered on June 27, 1913 and first opened for business at 508 Commercial Street, Emporia, Kansas, with Senator W. M. Price as President. The bank moved to 701 Commercial Street in 1956 and remained there until the current Main Bank facility was built in 1975 at 902 Merchant Street.
(620) 672-5611 Lender's profile and map Reviews The Peoples Bank 222 S Main St., Pratt, KS, 67124 With long-term employees serving an excellent customer base, The Peoples Bank is a unique and financially strong community bank. We have offices in seven rural counties – Barber, Kingman, Kiowa, Osborne, Pratt, Russell and Smith – stretching from the Oklahoma border to the Nebraska border in Central Kansas.
(580) 234-5151 Lender's profile and map Reviews The Security National Bank of Enid 201 W Broadway Ave, Enid, OK, 73701 Security National Bank of Enid is a commercial bank and trust company (accepting deposits) chartered under the National Bank Act. and Security National Bank offers a wide range of loan types with terms and conditions structured to meet individual business’s needs. These types include Term Financing, Construction Financing.