USDA Vs. FHA Pro and Con comparison in Hays, Ellis County, KS

For 2025, 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 .

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2025 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.

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Understanding USDA Loans in KS

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.

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



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