For 2026, the USDA loan cap in Hugoton, situated in Stevens county, KS, is $336,500, whereas the limit for FHA loans stands at $472,030 for single-family homes.
Leverage the Lendersa® USDA loan calculator to contrast today's foremost USDA and FHA rates. This tool aids you in understanding the income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to visualize USDA, FHA, Conforming, and VA programs side-by-side, enabling you to determine which option in Alabama best meets your financial profile.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to secure the best possible USDA or FHA loan for you swiftly and without complication. Choose one of three options to connect with suitable lenders and USDA loan plans.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, is commonly called a USDA rural development loan or USDA mortgage, available primarily in rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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