USDA and FHA Pro and Con 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?



  • Metropolitan Financial Mortgage Company
  • 4445 West 77th Street, Suite 210, Edina, MN, 55435
  • MetroFMC works hard to establish great working relationships with a wide variety of banks to enable you to have access to some of the lowest mortgage rates available. We pride ourselves on the training and knowledge we get directly from the banks that will provide you with your loan
  • Tradition Mortgage
  • 7601 France Ave S, Suite 170, Minneapolis, MN, 55435
  • The Tradition name represents a continual awareness and respect for the excellence of real estate development, real estate investment and real estate finance services. Tradition Companies is committed to the highest standards of quality, craftsmanship, community involvement and most importantly, a dedication to the customer.
  • Edge Home Finance Corporation
  • 4510 W 77th St, Suite 380, Edina, MN, 55435
  • "At Edge Home Finance Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We work with many wholesale lenders that provide a wide variety of products such as Conventional, FHA, VA and HARP 2.0."
  • Rainbow Mortgage Inc.
  • 3300 Edinborough Way, Suite 550, Edina, MN, 55435
  • "Rainbow Mortgage Inc. is owned and operated by local mortgage advisors Gale and David Jamison. Prior to starting Rainbow Mortgage Inc., David worked for a Fortune 500 company as a Sales Manager/Senior Underwriter in a division that closed over 1000 loans per month. David worked as an Alternative Loan Specialist with Wells Fargo."
  • The First State Bank of Rosemount
  • 3025 145th Street West, Rosemount, MN, 55068
  • In 1909 S.A. Netland opened the State Bank of Rosemount. It was the first locally owned independent bank in the city of Rosemount. Mr. Netland also owned banks in Bixby, Northfield, Carlos and Mendota. In 1909 the Bank had a capital of $10,000, and the total cost of the building, including the vault and fixtures was $4,050.
  • Mills County State Bank
  • 1017 Parker Street, Goldthwaite, TX, 76844
  • MCBank were planted in 1888 in Goldthwaite, Texas, when banking was limited to the community in which you lived. Back then, the Texas Legislature prohibited the issuing of state bank charters, which meant banks had to either get a national charter or work as a “private bank”—a bank opened to serve a community, with no official charter
  • US Mortgage Investments
  • 5201 Eden Avenue, Edina, MN, 55436
  • Us Mortgage Inv. offers a best in class Mortgage experience. -Competitive pricing - Speed to close - Best in class VA Loan pricing - Integrity US Mortgage Investments to find the mortgage loan that works best for you. With a professional yet friendly approach, we help you feel comfortable about what can be a stressful process.
  • Citizens Community Bank
  • 9 E Main St, Mascoutah, IL, 62258
  • Since 1992, that promise still has not been broken. We intend to keep it that way. While Citizens Community Bank continually adds new products and services to accommodate your needs, such as Internet Banking and Bill Pay, we will never take away the personal service. It is what worked for us
  • Farmers State Bank
  • 104 East Main St., Elmwood, IL, 61529
  • For 150 years, Farmers State Bank has supported Elmwood and the surrounding areas. From the first location in H.P. Tracy’s dry goods store to our current site on East Main Street, we have always been focused on community. When you choose to bank with us at Farmers State, you are choosing to bank with real people with real expertise
  • Citizens Bank and Trust Co of Vivian
  • 120 W Arkansas Avenue, Vivian, LA, 71082
  • Citizens Bank & Trust Co. of Vivian, Louisiana, Inc., was granted a state charter by the Louisiana Office of Financial Institutions on June 12, 1967. The first office, located at 140 W. Louisiana Avenue opened for business on September 14, 1967. The formal grand opening for the bank’s present site at 120 W. Arkansas Avenue
  • Vermillion State Bank
  • 107 E Main St., Vermillion, MN, 55085
  • Vermillion State Bank is a community bank with six locations in the southeast Twin Cities metro area. Founded in 1918, we take pride in our commitment to providing excellent customer service by keeping banking simple. We offer our customers experienced advice, not sales, in the areas of Personal & Commercial Banking.
  • West Metro Schools Credit Union
  • 1001 Highway 7, Room 249, Hopkins, MN, 55305
  • West Metro Schools Credit Union was formed December 31, 2008 with the merger of Hopkins Schools Credit Union and Edina Schools Credit Union. Membership is open to all employees of Hopkins, Edina and Wayzata Public Schools, their families and household members. Students of Hopkins and Edina school districts are eligible also.