In 2026, the USDA loan limit in Garden-City, part of Finney County in KS, is set at $285,000. Meanwhile, the limit for an FHA loan on a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare today's prime USDA and FHA rates, determining the necessary income, credit, reserves, and documentation to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, aiding in your decision on the best choice for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to efficiently connect you with the ideal USDA or FHA loan without complications. Begin with one of three starting paths that lead to matching lenders and the appropriate USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage. It's available only in rural areas. Unlike FHA loans needing a minimum 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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