In 2026, the USDA loan limit in Gardner, located in Johnson County, KS, is $345,000. Conversely, the FHA limit for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA programs side by side, helping you decide which is best for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $345,000 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly provide you with the best USDA or FHA loan minus the hassle. Pick one of three starting points to connect with appropriate lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require none at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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