In 2026, the USDA loan limit for El-Dorado, located in Butler County, KS, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the best rates for USDA versus FHA today, determining the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA programs, helping you decide the best option for your financial needs in .
2026 Loan Limits and Down Payment Requirements in El-Dorado, Butler County, KS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in El-Dorado, KS
Lendersa® aims to swiftly connect you with the best USDA or FHA loan, without hassle. Choose one of three starting points to align with matching lenders and suitable USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is offered in rural areas only. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans need no down payment at all.
Mid America Mortgage, Inc., Addison, Texas, is a multi-state, full-service mortgage lender serving consumers and mortgage originators through its retail, wholesale and correspondent channels. In operation since 1940, Mid America has thrived by retaining its entrepreneurial spirit and leading the market.
White Eagle Credit Union, founded in 1935, and with branches in Augusta, El Dorado and Newton, Kansas, is a “Refreshingly personal. Remarkably advanced.” financial cooperative providing outstanding service with a dedication to helping members improve their financial well-being. White Eagle provides advanced mobile and online banking services.
Citizens Bank of Kansas is a state bank that specializes in hometown banking needs. CBK has maintained its commitment to helping build strong communities by offering traditional banking services including residential, commercial, and consumer loans, as well as a broad range of deposit accounts for retail and commercial customers.
We continue that philosophy by serving our mission to be the most trusted bank in the communities we serve by knowing and understanding the needs of customers, employees and shareholders while providing them with the best possible products, services and opportunities to meet their goals.
WFCU is a not-for-profit financial cooperative, which means that all of our members are also owners. Our members-first philosophy has served us well over the years. Wichita Municipal Federal Credit Union (WMFCU) was chartered in May 1940 to serve the municipal employees of the City of Wichita.
Home Bank and Trust Co is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
JR Mortgage Group Inc are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
We are a wholesale residential mortgage lender who strives to do our best for all borrowers and applicants. In our best, we place ourselves in the applicant's shoes knowing their situation, and with our knowledge in the industry, help them make the best informed decision for the specific type of mortgage loan that will be most suitable for them.
Chartered Oct. 5, 1988, we began with 31 banks investing $1.5 million in capital and surplus. Our equity capital now exceeds our first day total assets. Today, as one of 14 bankers’ banks across the country, BBOK has nearly 200 shareholders and provides correspondent services to more than 90% of the banks throughout the state.
