USDA Vs. FHA your options comparison in Lawrence, Douglas County, KS
For 2026, the USDA loan cap in Lawrence, Douglas County, KS is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to evaluate today's top USDA against FHA rates, discerning the income, credit score, reserves, and documentation necessary for qualification. You can compare USDA, FHA, Conforming, and VA programs side by side using our comprehensive mortgage calculator, helping you choose the best option for your financial situation in .
2026 Loan Caps and Down Payments in Lawrence, Douglas 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 Choices in Lawrence, KS
Lendersa® is committed to swiftly securing the best USDA or FHA loan for you without stress. Begin with one of three options that align you with suitable lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is a rural development loan or mortgage available only in rural areas. Unlike FHA loans that need a 3.5% down payment, USDA loans require no down payment at all.
We are a locally owned community bank in Lawrence, KS committed to giving our customers the best service possible. At UNB, you can feel the difference when you walk in the door or talk to us on the phone. We remain true to our core purpose: to provide value-added banking services to the Lawrence community by sticking to what we know best.
4830 Bob Billings Pkwy, Suite 100A, Lawrence, KS, 66049
Lends in Kansas
We are a Kansas licensed mortgage broker which allows us to select the top lenders available to serve our customers. Our owners and staff are committed to providing our customers the lowest mortgage rates available from the very best wholesale mortgage lenders available. We offer most mortgage products available through FHA, VA, USDA,
First State Bank & Trust is an independent financial institution headquartered in Tonganoxie, Kansas. Our Bank has a long history of community service since our original charter in 1934 and that continues today in our locations in Tonganoxie, Basehor, Kansas City, Lawrence, and Perry, Kansas.
Mid America Bank is a locally-owned community bank committed to providing our customers great banking services, with a particularly heavy emphasis on residential real estate lending. We take pride in offering local underwriting and local servicing. We think this sets us apart and is what makes us the leading real estate lender in our market.
Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.
Home Loan Arrangers Providing solutions for home loans for all loan types: Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow Holdback, FHA Escrow Holdback. Purchases and Refinances. Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow.
The Topeka Firemen's Credit Union was established to foster economic democracy by bringing the ideal of economic freedom to our members through the use of money based upon the beneficial needs of the members and not greed. We promote thrift by receiving our Members' savings in the payment of shares and extend loans to our Members.
Mortgage Investment Services Corporation (“MISC”) is an independent mortgage banking company that provides home loan services solely and exclusively for the customers of 200+ financial institutions, mainly in under-served rural communities in Missouri, Kansas, Oklahoma, Colorado, & Nebraska.
Fidelity State Bank & Trust Company (Topeka, KS) is a banking company based in Topeka, Kansas, United States. FDIC Insured and Equal Opportunity Lender.The history of the Chandler Family that owns Fidelity State Bank & Trust Company dates back to 1883. The Chandler Family has been active in Kansas since then and continues to be active in a large nu
