USDA Vs. FHA Pro and Con comparison in El-Dorado, Butler County, KS

In 2025, 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 .

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2025 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.

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Understanding USDA Loans in KS

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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