For 2026, the USDA loan limit in Hays, Ellis County, KS, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA against FHA rates, determining the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in deciding the best fit for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Hays, Ellis 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 Hays, KS
The goal of Lendersa® is to secure the best possible USDA or FHA loan for you quickly and without any hassle. Opt for one of the three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, known as a USDA rural development loan or mortgage, and is only available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, no down payment is needed for USDA loans.
The Farmers Credit Union was founded in 1953. The first location was an office located in the Farmers Co-op Building. The original capital was obtained by proceeds from a bake sale. Anyone who is a resident of Ellis County or adjoining counties is eligible to be a member of the Farmers Credit Union.
Bank of Hays offers HELOC's with competitive rates and terms. A HELOC loan can be used for many different purposes: a vacation, your child's education, home improvement, or unforeseen emergencies. A HELOC from Bank of Hays allows you to "make your own loan" as the need arises. Borrow as little as $5, 000.
At Golden Belt Bank, we take great pride in delivering our products in the manner our customer wants them. We strive to establish long-term relationships with our customers and our community. Every day, we get to help write the story. Because we believe one successful story builds one successful family,
At Southwind Bank, where you experience banking the way it should be!
Here we still believe in personal banking relationships. Our customers are more than just a number; they are our neighbors and friends. For generations, we have worked together with our customers to help our communities grow and prosper.
Fusion Bank, which has locations in Larned, Overland Park, and Pratt, attributes its longevity to dedicated people and a commitment to quality. The Bank is rated as a 5-Star Bank (the highest ranking) by BauerFinancial, and is listed among The Strongest Banks in the U.S. by Weiss Ratings.
Since its inception, Wilson State Bank’s primary mission has been to serve the banking needs of our communities and surrounding counties. This mission continues to be the primary driving force behind the Bank today. We pledge to our customers to always provide a hometown atmosphere with people you can talk to and decisions that are made locally.
In 1898, F.A. Vaniman accomplished a long time goal of opening his own bank. That bank was Peoples State Bank. Located at 101 South Main in downtown McPherson, that bank, now known as Peoples Bank & Trust Company is still located at the same location. Mr. Vaniman remained the president for 50 years until his retirement in 1948.
First National Bank of Dighton has been a member of this community for over 100 years. It was pioneer spirit that transformed Dighton from a settlement on the prairie into a thriving agricultural center for wheat and cattle. We at First National Bank take pride in that spirit, Dighton.
Since establishing business in 1887, the bank has built its reputation on personal service and community promotion. Family owned and locally operated in the communities of Tescott, Lincoln, Salina, and Lindsborg, The Bank of Tescott strives to provide customers with a competitive array of loan and deposit products that aid in their financial succes
