USDA VS FHA in Emporia, Lyon County, KS

For 2026, the USDA loan limit in Emporia, situated in Lyon County, KS, is $336,500, with the FHA limit being $472,030 for a single-family home.

Leverage Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates. Understand the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side to identify the best choice for your financial needs in .

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2026 Loan Limits and Down Payment in Emporia, Lyon County, KS

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Emporia, KS

Lendersa® aims to secure you the optimal USDA or FHA loan swiftly and effortlessly. Choose one of three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan outcomes

Understanding USDA Loans in KS

A USDA home loan, backed by the Department of Agriculture, known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans requiring 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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