In 2026, the USDA loan limit in Osage-City, located in the county of Osage, KS, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Utilizing the Lendersa® USDA loan calculator allows you to compare the most competitive USDA versus FHA rates available today. This tool assists in determining the necessary income, credit requirements, reserves, and documentation needed to qualify. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, helping you identify which program in Alabama best fits your financial needs and situation.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to efficiently secure the best possible USDA or FHA loan for you, ensuring a smooth process without any hassle. By selecting one of three different starting points, you will connect with matching lenders and USDA loan programs that meet your specific needs.
A USDA home loan, guaranteed by the United States Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. Available exclusively in rural neighborhoods, these loans differ from FHA loans by having no required minimum down payment, unlike the FHA’s mandatory 3.5%. This can make USDA loans an attractive option for qualifying borrowers seeking home financing in rural areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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