FHA Vs. USDA loan program for Independence, Montgomery County, Kansas

For 2026, the USDA loan limit in Independence, within Montgomery county, KS, is $336,500, while the FHA limit for a single-family home stands at $472,030.

Use the Lendersa® USDA loan calculator to compare the leading USDA vs. FHA rates today. Assess the income, credit score, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose the best option for your financial situation in .

Explore USDA and FHA Loan Solutions in Independence, KS

Lendersa® aims to promptly connect you with the best USDA or FHA loans, minus the hassle. Choose from three pathways to match with lenders and discover USDA loan programs.

Introduction to USDA Loans in KS

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

Get top 10
USDA LENDERS
customized to yout needes

Independence Lenders
(620) 331-2265 Lender's profile and map FIRSTOAK BANK 113 N. Penn Ave, Independence, KS, 67301 Lends in Kansas FirstOak Bank’s mission is to continue to develop and sustain a sound, profitable institution that will generate reasonable returns for its stockholders, be a chosen place of employment, and serve the financial needs of its customer base and the communities it serves. we will exceed your expectations as a friendly.
(620) 331-9888 Lender's profile and map Gemini Funding Corp 322 N Pennsylvania Ave, Independence, KS, 67301 Lends in Kansas Welcome to Gemini Funding Corp., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific home loan needs, so we strive to meet those specific needs with a wide array of loan products, investment tools, mortgages
(620) 251-5290 Lender's profile and map Cooperative Credit Union 313 W 9th Street, Coffeyville, KS, 67337 Lends in Kansas A credit union exists to serve a specific group of people, referred to as a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group. Cooperative Credit Union was chartered to serve members in 1937. Cooperative Credit Union is owned and operated by its membership.
(620) 378-2151 Lender's profile and map First National Bank in Fredonia 730 Madison, Fredonia, KS, 66736 Lends in Kansas Our mission as a community bank is to provide our local community with the highest quality of financial services. We strive to Maintain the public trust through safe and sound banking practices and enhance the financial strength of our bank. Promote healthy growth through diversified and quality services to our customers.
(620) 784-5311 Lender's profile and map Labette Bank PO Box 497, Altamont, KS, 67330 Lends in Kansas Labette Bank is a trustworthy community bank that serves the people and businesses of Southeast Kansas. Labette Bank was founded in 1915 by a group of businessmen who strongly believed in the people and businesses of our area. Their founding beliefs are still the cornerstone of our banking philosophy.
(620) 449-2225 Lender's profile and map The Exchange State Bank of St. Paul, Kansas 408 5th St, Saint Paul, KS, 66771 Lends in Kansas Exchange State Bank had its beginning in South Mound, Kansas, on September 26, 1914, as The South Mound State Bank. It wasn't until twenty years later that the charter was moved to St. Paul, Kansas & became The Exchange State Bank on November 14, 1934. The bank was located at the northwest corner of 5th & Main Streets & remained there for 35 years.