FHA Vs. USDA loan program for Liberal, Seward County, Kansas

In 2026, the USDA loan cap in Liberal, located in the county of Seward, KS, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA against FHA rates, determining the required income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side to choose the best fit for your financial circumstances in .

Exploring USDA and FHA Loan Options in Liberal, KS

Lendersa® aims to efficiently secure the optimal USDA or FHA loan for you with ease. Choose one of three starting points to find matching lenders and discover the right USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in KS?

A USDA home loan, backed by the government’s Department of Agriculture, also known as a USDA rural development loan or mortgage, is designed for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment at all.

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Liberal Lenders
(620) 624-0707 Lender's profile and map The Bank Of Beaver City PO Box 1279, Liberal, KS, 67905 Lends in Kansas The Bank of Beaver City was chartered in 1902, five years before Oklahoma statehood, by a group of local businessmen to provide much needed banking services to the Beaver, Oklahoma area. The Bank expanded in 2007 by constructing the Liberal Banking Center in nearby Liberal, KS. This made two full service banking locations to meet customer needs.
(620) 544-4331 Lender's profile and map Citizens State Bank 601 S. Main Street, Hugoton, KS, 67951 Lends in Kansas The Citizens State Bank is a branch office of The Citizens State Bank. They provide the following services: Full Service Office Location and are located at 601 S. Main Street in Hugoton Kansas. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
(620) 675-8611 Lender's profile and map Centera Bank 119 South Inman Street, Sublette, KS, 67877 Lends in Kansas Centera Bank was originally chartered in 1937 under the name of The Haskell County State Bank. The original bank originated from the merger of three banks: Copeland State Bank, Satanta State Bank and Santa Fe State Bank. It was locally owned from 1937 to 1977. In 1977 a one-bank holding company, Santa Fe Trail Banc Shares, Inc, was formed.
(620) 356-4142 Lender's profile and map Grant County Bank 201 South Main Street, Ulysses, KS, 67880 Lends in Kansas The Grant County State Bank was chartered in 1907. It endured the Great Depression of the 1930s and remained a bulwark through the 1980s, when U.S. banks were failing at record rates. Our capital strength and our community's support have allowed our Bank to emerge as a leader in financial products and services.
(620) 492-6200 Lender's profile and map Johnson State Bank 106 North Main Street, Johnson, KS, 67855 Lends in Kansas Johnson State Bank and Bank of Ulysses I would like to thank you for taking the time to visit our Internet web page. Our bank strives to meet the needs of our customers and our community. As the Bank and our community enter the age of high-speed communications and convenience we began to see the need for convenient computer based banking services.