FHA Vs. USDA loan program for Hutchinson, Reno County, Kansas

For 2026, the USDA loan limit in Hutchinson, situated in Reno County, KS, is set at $336,500. In contrast, the FHA limit for a single-family home is set at $472,030.

Make use of the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, clarifying the income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, helping you choose the most suitable option for your financial situation in .

Discover USDA and FHA Loan Options in Hutchinson, KS

Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and with minimal complexity. Start from one of three pathways to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in KS

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available solely in rural regions. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment.

Get top 10
USDA LENDERS
customized to yout needes

(620) 326-3361 Lender's profile and map Reviews Impact Bank 206 East Harvey Avenue, Wellington, KS, 67152 Impact Bank was created by the April 2, 2012 merger of Caldwell State Bank and First National Bank in Wellington. Both financial institutions were healthy, long-standing community banks serving local families and businesses for generations. Caldwell State Bank was founded in 1928 and First National Bank in Wellington began in 1879.
(620) 326-7471 Lender's profile and map Reviews Bank of Commerce and Trust Company 201 West Harvey Avenue, Wellington, KS, 67152 The Bank of Commerce and Trust Company, formerly known as the National Bank of Commerce, can trace its roots to the oldest bank in Wellington, the Woods Bank. In October of 1873 Mr. John J. Woods opened the Woods Bank at the southwest corner of Washington and 7th Streets in a frame building. For several years,
(316) 889-0103 Lender's profile and map Reviews Mid America Mortgage, Inc 105 S Main St, El Dorado, KS, 67042 Mid America Mortgage, Inc., Addison, Texas, is a multi-state, full-service mortgage lender serving consumers and mortgage originators through its retail, wholesale and correspondent channels. In operation since 1940, Mid America has thrived by retaining its entrepreneurial spirit and leading the market.
(785) 263-8400 Lender's profile and map Reviews The Dickinson County Bank 101 South Factory Street, Enterprise, KS, 67441 Dickinson County Bank The Dickinson County Bank of Enterprise, Kansas was chartered on June 2, 1894 as a result of a financial panic in 1887 that closed several area banks in Abilene, Hope, and Enterprise. The demand for banking was high and the bank was established to meet this demand.
(785) 257-3226 Lender's profile and map Reviews The Citizens State Bank and Trust Company 1 North Broadway, Woodbine, KS, 67492 The Citizens State Bank & Trust Company has been providing customers with a range of financial services for over 90 years. The Citizens State Bank & Trust Company was organized and chartered in January 1921 with W. L. Johnson (bank president), JA Gillett (vice president). In 1923 Woodbine State Bank, originally opened in 1897 and incorporated
(620) 285-6931 Lender's profile and map Reviews Fusion Bank 116 West Sixth Street, Larned, KS, 67550 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.
(620) 845-6431 Lender's profile and map Reviews The Stock Exchange Bank, Caldwell, Kansas 103 South Main Street, Caldwell, KS, 67022 The Stock Exchange Bank of Caldwell, the oldest banking institution in Caldwell and Sumner County, received its state charter on November 12, 1881 and opened on Christmas Eve, December 24, 1881. The stone building erected to house the bank in 1881 at a cost of $5,000, has undergone several remodeling projects
(620) 862-5222 Lender's profile and map Reviews The Haviland State Bank 209 North Main Street, Haviland, KS, 67059 Haviland State Bank opened in 1903 by George Lemon of Pratt. The First directors of the bank were founder George Lemon, President; Otto H. Bock, Secretary and Cashier; H.A. Barbee, a cattleman near Pratt; R.D. Woodward, and L.J. Woodward of Haviland. When HSB first opened in 1903 the money was not kept in the bank.
(785) 738-3501 Lender's profile and map Reviews Guaranty State Bank and Trust Company 201 South Mill Street, Beloit, KS, 67420 The Guaranty State Bank & Trust Company had its beginnings during the days following the First World War. During the war times bank charters were easy to come by, and two new banks started business in Beloit. The result was five banks competing for business. We have five locations, Beloit, Jewell, Burr Oak, Esbon, & Smith Center.
(785) 738-2251 Lender's profile and map Reviews The First National Bank of Beloit 101 East Main Street, Beloit, KS, 67420 As the First National Bank of Beloit, we opened our doors for business on July 29, 1884, at the corner of Main and Mill. Five generations of service later, we are now chartered as a state bank under our new name, First Bank of Beloit. Although our “official” charter date is now August 5, 2019,
(785) 738-2224 Lender's profile and map Reviews Farmway Credit Union 200 S Hersey Avenue, Beloit, KS, 67420 A credit union is defined as "a cooperative association organized to promote thrift among its members and accumulate a fund from these savings to make needed loans to members for useful purposes at reasonable interest rates." This was the theory that started Farmway Credit Union back in 1950 and still holds true today.
(620) 442-8210 Lender's profile and map Reviews Ark Valley Credit Union 1515 N Summit Street, Arkansas City, KS, 67005 The Ark Valley Credit Union was formed in 1955 as the Rodeo Credit Union for employees of Maurer-Neuer, Inc. The Credit Union was opened to Cowley County residents in 1979 and the name changed to Ark Valley Credit Union in 1990. In 2003, Ark Valley Credit Union merged with the Rainbow Credit Union and opened a branch office in Winfield.