For 2025, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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