For the year 2026, the USDA loan limit in Kansas-City, which is located in Wyandotte County, within the state of KS, is set at $311,800. Comparatively, the FHA limit stands at $389,850 for a family home designed for a single resident.
Utilize Lendersa®'s USDA loan calculator to weigh today’s top USDA against FHA rates to find out the necessary income, credit details, reserve figures, and required documentation for qualification. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding your decision in finding the optimal program in
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| Loan Type | Loan Limit | Down Payment |
|---|---|---|
| USDA | $311,800 | 0% |
| FHA | $389,850 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to quickly and smoothly secure the most ideal USDA or FHA loan for you. Choose from three distinct starting points that connect you with appropriate lenders and USDA loan schemes.
A USDA home loan, officially backed by the United States Department of Agriculture, also known as a USDA rural development loan or mortgage, is designed for rural zones. In contrast to FHA loans needing a minimum down payment of 3.5%, USDA mortgage loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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