USDA and FHA Pro and Con in Osage-City, Osage County, KS
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.
Loan Limits and Downpayment Requirements for 2026 in Osage-City, Osage County, KS
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Osage-City, KS
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.
Emporia State Federal Credit Union began as a small financial institution in July of 1937, serving a "field of membership" of employees of two Emporia cooperatives. Through the years, ESFCU has continued to grow and expand while still preserving it's roots in the Emporia community.
The Credit Union of Emporia was formed in 1953 by seven Santa Fe Railroad employees. It was originally called the “Emporia Santa Fe Credit Union”. In 1985, the members voted to change the name to “Credit Union of Emporia” to better reflect the membership, which represents many of the Lyon County employee groups.
The Lyon County State Bank (LCSB) was chartered on June 27, 1913 and first opened for business at 508 Commercial Street, Emporia, Kansas, with Senator W. M. Price as President. The bank moved to 701 Commercial Street in 1956 and remained there until the current Main Bank facility was built in 1975 at 902 Merchant Street.
Landmark National Bank’s roots trace back to April 22, 1885, when it was originally chartered under the name Manhattan Buildings & Savings Association. As our bank’s footprint has expanded over the last century, our name has changed to reflect the growing number of communities we serve throughout Kansas and beyond.
First National Bank of Kansas offers the services of a modern financial institution while maintaining the integrity of a community bank where decisions are made locally. First National Bank of Kansas takes pride in having served our community since 1902.
Our mission is to meet the needs of the market we serve by providing community leadership.
5920 SE Coyote Drive, Building 668, Topeka, KS, 66619
Lends in Kansas
Founded in 1958 as Hutchinson Air Guard Credit Union, Forbes Field Credit Union has grown from seven original members to almost 700. Offering share accounts, certificates of deposit, and a wide array of loan products, our mission has never waivered – to foster the ideal of economic freedom and serve as financial advocates for our members.
At Envista, banking is a personalized experience. We provide the security, competitive rates, and options you expect, delivered with exceptional service from a team who makes your needs and dreams their top priority.
Our professional team makes the following promises to each member: We will honor the individual.
We were founded on the belief that a bank can best provide excellent, personalized service to its customers when it is rooted in the community it serves and isn't part of a giant banking conglomerate. In the modern financial world, a community bank has the capacity to deliver and meet our customer needs just as the big banks can.
Azura Credit Union was formed when Educational Credit Union and Quest Credit Union merged on May 1, 2016. Azura has over 50, 000 members and offers everything from checking and savings, to auto, personal and home loans, business services and online and mobile banking. Credit Union was formed when Educational Credit Union.
