USDA Vs. FHA Pro and Con comparison in Galena, Cherokee County, KS

In 2025, USDA loan limit in Galena, county of Cherokee, KS is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Galena, county of Cherokee, KS

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

USDA and FHA loan options in Galena, KS

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Kansas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Eddy Federal Credit Union
  • 909 W Pierce Street, Carlsbad, NM, 88220
  • Eddy Federal Credit Union is committed to making available products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with the credit union.
  • Western Commerce Bank
  • 127 S. Canyon St, Carlsbad, NM, 88220
  • Western Commerce Bank opened its doors June 3, 1961 in the small town of Loving, New Mexico. Since that time, the bank has grown and expanded to include eleven full-service locations throughout New Mexico in Carlsbad, Loving, Hobbs, Lovington, Tatum, and Albuquerque. Our slogan is “Pulling Together For You”, and we take that seriously.
  • MORAN FINANCIAL GROUP LLC
  • 4594 Cloister Circle, Hampton, GA, 30228
  • We are a full-service mortgage company based in Hampton, GA. We specialize in First Time Buyer Prequalification in Hampton. We also serve the surrounding cities in Henry County. Whether you are buying a home or refinancing in any of these zip codes: 30228, 30253, 30281, we can help you realize your dream of home ownership
  • Farmers State Bank of Underwood
  • 110 Main St, Underwood, MN, 56586
  • Farmers State Bank is a locally owned, independent, community bank. We have four locations to better serve our customers. Our main office is located in Underwood, MN, and three branches are located in Dalton, Rothsay, and Fergus Falls, MN. Our officers, directors, and staff all live and work in our local communities.
  • Mortgage Solutions Network
  • 197 W Crogan St, Lawrenceville, GA, 30046
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Hard Money Loans Georgia
  • 155 Gwinnett Dr, Suite E, Atlanta, GA, 30046
  • Georgia Private Loans is an Atlanta-based private lending company that focuses on short-term loans secured by real estate. Our clients utilize our loans, often referred to as "bridge" or "hard money" loans and also We offer two significant advantages over banks and other financial institutions: speed and flexibility.
  • Peach State Bank & Trust
  • 325 Washington St SW, Gainesville, GA, 30501
  • Peach State Bank & Trust is the largest true community bank in Hall County. We have a seasoned management team and a strong board of directors who are not only dedicated to our customers but to this community. We offer competitive rates, a variety of accounts - both personal and business. We hope you will call us or stop by today
  • MyGeorgia Credit Union
  • 2601 Limestone Pkwy, Gainesville, GA, 30501
  • "Founded in 1971 as HALLCO Community Credit Union, we grew into a full-service financial institution offering a wide range of banking products and services with branch locations in Gainesville, Oakwood, Flowery Branch and Cleveland. As the communities and the needs of the residents in the area around us expanded, so did we"
  • Homestar Financial Corporation
  • 332 Washington St. NW, Gainesville, GA, 30501
  • HOMESTAR Financial Corporation is a full service mortgage banker controlling every aspect of the loan process with in house processing, underwriting, closing and funding of each mortgage transaction. Having an in-house team separates HOMESTAR from other mortgage companies because it is easier for HOMESTAR mortgage lenders to communicate quickly
  • PURE LIGHT MORTGAGE INC
  • 2234C Thompson Bridge Road, Gainesville, GA, 30501
  • The Pure Light Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Union Bank
  • 933 Fourth Ave, Lake Odessa, MI, 48849
  • Union Bank is a truly local, right-sized, and proudly independent bank with roots deep in West and Central Michigan's soil. For nearly a century we've worked alongside truly local and proudly independent West and Central Michigan businesses, the people who own them, and the people who work at them.
  • Hayward Community Credit Union
  • 15855 US Highway 63, Hayward, WI, 54843
  • Hayward Community Credit Union provides full financial services at two branch locations in Hayward and Cable Wisconsin. Hayward Community Credit Union now serves nearly 7, 500 members in our 7 county membership field to include: Ashland, Barron, Bayfield, Douglas, Rusk, Sawyer and Washburn.