USDA Loan Vs. FHA loan for Lyons, KS [Rice County ]

In the year 2026, the USDA loan limit for Lyons in Rice county, KS, is set at $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

To compare today's most advantageous USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. This will help you determine the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator allows you to see the USDA, FHA, Conforming, and VA options side by side, ensuring you find the ideal program for your financial situation in Alabama.

Exploring USDA and FHA Loan Options in Lyons, KS

Lendersa® strives to secure the optimal USDA or FHA loan for you swiftly and without difficulty. Choose one of three options to discover matching lenders and suitable USDA loan offerings.

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Understanding USDA Loans in KS

A USDA home loan, supported by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. In contrast to FHA loans that mandate a minimum down payment of 3.5%, the USDA mortgage has no down payment requirement.

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(620) 862-5222 Lender's profile and map Reviews The Haviland State Bank 209 North Main Street, Haviland, KS, 67059 Haviland State Bank opened in 1903 by George Lemon of Pratt. The First directors of the bank were founder George Lemon, President; Otto H. Bock, Secretary and Cashier; H.A. Barbee, a cattleman near Pratt; R.D. Woodward, and L.J. Woodward of Haviland. When HSB first opened in 1903 the money was not kept in the bank.
(785) 738-3501 Lender's profile and map Reviews Guaranty State Bank and Trust Company 201 South Mill Street, Beloit, KS, 67420 The Guaranty State Bank & Trust Company had its beginnings during the days following the First World War. During the war times bank charters were easy to come by, and two new banks started business in Beloit. The result was five banks competing for business. We have five locations, Beloit, Jewell, Burr Oak, Esbon, & Smith Center.
(785) 738-2251 Lender's profile and map Reviews The First National Bank of Beloit 101 East Main Street, Beloit, KS, 67420 As the First National Bank of Beloit, we opened our doors for business on July 29, 1884, at the corner of Main and Mill. Five generations of service later, we are now chartered as a state bank under our new name, First Bank of Beloit. Although our “official” charter date is now August 5, 2019,
(785) 738-2224 Lender's profile and map Reviews Farmway Credit Union 200 S Hersey Avenue, Beloit, KS, 67420 A credit union is defined as "a cooperative association organized to promote thrift among its members and accumulate a fund from these savings to make needed loans to members for useful purposes at reasonable interest rates." This was the theory that started Farmway Credit Union back in 1950 and still holds true today.
(785) 625-2427 Lender's profile and map Reviews Farmers Credit Union 2825 Plaza Avenue, Hays, KS, 67601 The Farmers Credit Union was founded in 1953. The first location was an office located in the Farmers Co-op Building. The original capital was obtained by proceeds from a bake sale. Anyone who is a resident of Ellis County or adjoining counties is eligible to be a member of the Farmers Credit Union.
(785) 621-2265 Lender's profile and map Reviews Bank of Hays 1000 W 27th St, Hays, KS, 67601 Bank of Hays offers HELOC's with competitive rates and terms. A HELOC loan can be used for many different purposes: a vacation, your child's education, home improvement, or unforeseen emergencies. A HELOC from Bank of Hays allows you to "make your own loan" as the need arises. Borrow as little as $5, 000.
(785) 625-7345 Lender's profile and map Reviews Golden Belt Bank 1101 East 27th St, Hays, KS, 67601 At Golden Belt Bank, we take great pride in delivering our products in the manner our customer wants them. We strive to establish long-term relationships with our customers and our community. Every day, we get to help write the story. Because we believe one successful story builds one successful family,
(316) 777-1171 Lender's profile and map Reviews Carson Bank 122 West Main Street, Mulvane, KS, 67110 Our purpose at Carson Bank is to strengthen our home communities by providing knowledgeable and trustworthy financial solutions to fulfill individual, commercial, and public financial needs. The As your trusted advisor and friend, We are attentive, caring, and accommodating to every customer who visits our bank.
(316) 775-7591 Lender's profile and map Reviews White Eagle Credit Union 2830 N Ohio Street, Augusta, KS, 67010 White Eagle Credit Union, founded in 1935, and with branches in Augusta, El Dorado and Newton, Kansas, is a “Refreshingly personal. Remarkably advanced.” financial cooperative providing outstanding service with a dedication to helping members improve their financial well-being. White Eagle provides advanced mobile and online banking services.
(620) 532-5162 Lender's profile and map Reviews Citizens Bank of Kansas 2330 Ohio St, Augusta, KS, 67010 Citizens Bank of Kansas is a state bank that specializes in hometown banking needs. CBK has maintained its commitment to helping build strong communities by offering traditional banking services including residential, commercial, and consumer loans, as well as a broad range of deposit accounts for retail and commercial customers.
(620) 488-2211 Lender's profile and map Reviews The Valley State Bank 502 North Merchant Street, Belle Plaine, KS, 67013 The Valley State Bank is a community bank that has operated under the same name since it was founded in 1897. Since establishment, the financial institution has grown and opened branch locations in Derby, KS and Wichita, KS. Valley State Bank has been accorded the special recognition of Blue Ribbon Bank
(316) 889-0103 Lender's profile and map Reviews Mid America Mortgage, Inc 105 S Main St, El Dorado, KS, 67042 Mid America Mortgage, Inc., Addison, Texas, is a multi-state, full-service mortgage lender serving consumers and mortgage originators through its retail, wholesale and correspondent channels. In operation since 1940, Mid America has thrived by retaining its entrepreneurial spirit and leading the market.