USDA Vs. FHA Pro and Con comparison in Liberal, Seward County, KS

In 2025, 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 .

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2025 Loan Limits and Down Payment Requirements in Liberal, Seward 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 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.

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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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Service One Mortgage
  • 23161 Lake Center Drive, Suite 205, Lake Forest, CA, 92630
  • Service One Mortgage is a Full Service Mortgage Advisory Firm, specializing in Residential and Commercial Loans.we have helped thousands purchase and refinance their homes and investment properties.Our motto has always been to offer the lowest mortgage rates while providing the highest level of customer service to each and every one of our clients.
  • Legacy Real Estate Services, Inc.
  • 22842 Larkin Lake, Lake Forest, CA, 92630
  • The Legacy Mission is to develop life-long client relationships by providing exceptional service, professional representation and technical expertise. As the Broker/Owner, Mark Gustafson personally manage all real estate broker/agent aspects of the transaction from beginning to end.
  • Steel Funding
  • 22956 El Toro Road, Lake Forest, CA, 92630
  • We can help you secure a residential mortgage loan, even if you have bad credit history or challenging circumstances. We pride ourselves by providing you with tailored mortgage loan with a great mortgage rate for you in the shortest possible time. We will also make the loan experience with us enjoyable and provide you with a peace of mind.
  • Personalized Mortgage Express, Inc.
  • 26461 Rancho Parkway South, Lake Forest, CA, 92630
  • "Personalized Mortgage Express was founded in 2004 to meet an urgent need: To provide fast, personalized service to both borrowers and real estate agents. We have a staff of experienced loan officers and processors who will ensure that your home loan will close on time, at the best rates available in the market today
  • Lee Mortgage Advisors
  • 22996 El Toro Road, Lake Forest, CA, 92630
  • Principal Broker, Pat Lee has over thirty-two (32) years of experience working in many facets within the mortgage industry. Pat Lee and his team of mortgage advisors’ passion to serve clients professionally and ethically sets it apart from other mortgage loan originators. Many years of practice have provided him great insight into structuring
  • DeltaMax Mortgage
  • 22994 El Toro Road, Lake Forest, CA, 92630
  • DeltaMax Mortgage & Realty. She is your "one-stop shop" when you're looking to find a home and/or finance it. As both a licensed loan broker and realtor, Shadi makes buying, selling, and financing your home hassle-free. Her detail-oriented mindset, undivided atention, and vast experience in the field leaves her clients joyfully satisfied.
  • Dane Residential Mortgage Inc
  • 21066 Sharmila, Lake Forest, CA, 92630
  • At Dane Residential Mortgage, we have the flexibility to provide tailored financing options to creditworthy prime and non-prime borrowers that meet the minimum underwriting requirements. We welcome all borrowers and look forward to explaining all possible lending options available to you.
  • Independent Financial Services Group, Inc.
  • 23591 El Toro Road, Suite 185, Lake Forest, CA, 92630
  • Our company started in December of 2005, and began funding loans by August 2006. We began selling real estate in Southern California in 2007, and in 2009, we started doing government loans. In 2014 we become a full service mortgage banker when established our warehouse lines. A lot has changed since the early formation of the company
  • Constant Funding Inc.
  • 22994 El Toro Road, Lake Forest, CA, 92630
  • Constant Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you