USDA and FHA Pro and Con in Osawatomie, Miami County, KS
For 2026, the USDA loan limit in Osawatomie, within Miami county, KS, is set at $345,000, whereas the FHA limit for a single-family house is $472,030.
Utilize Lendersa®'s USDA loan calculator to review and contrast the current best USDA against FHA rates, and figure out the necessary income, credit history, reserves, and documentation for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA programs concurrently, helping you choose the optimal plan for your financial needs in .
2026 Loan Limits and Down Payment Guidelines in Osawatomie, Miami, KS
Loan Type
Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Osawatomie, KS
At Lendersa®, we strive to swiftly and seamlessly secure the most favorable USDA or FHA loan for you. Opt for one of three approaches that link you to the appropriate lenders and USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture—also known as the USDA rural development loan or mortgage—is exclusively accessible in rural areas. In contrast to FHA loans, which demand a minimum down payment of 3.5%, USDA loans eliminate the need for any down payment.
In 1923, First Option Bank (fka First National Bank) opened for business in Osawatomie, Kansas. We continue to be a locally-owned bank today and over the decades have expanded to the communities of LaCygne, Louisburg, Paola and Spring Hill. business in Osawatomie, Kansas. We continue to be a locally-owned bank today.
Since 1927, the State Bank of Spring Hill has continuously provided our community with many banking options and services. We are one of the oldest family-owned banks in Johnson County with a solid reputation throughout the years.
We offer our customers old-time values mixed with progressive, automated banking services.
Patriots Bank is owned and operated by the Cooper family. Our charter has over 120 years of tradition in community banking. As a local community bank, Patriots Bank is a proud part of the communities we serve. Here are some of the benefits of being part of a community bank and why Patriots Bank is the right choice for you
The Farmers State Bank of Blue Mound was chartered in August of 1913 by 26 area men, with capital stock of $10,000.00. The men were mainly farmers, from the surrounding Kansas communities; Centerville to Bronson and Selma/Kincaid to Mound City. The initial board of directors included J. L Pettyjohn, President; Fred Bronson,
Mid America Bank is a locally-owned community bank committed to providing our customers great banking services, with a particularly heavy emphasis on residential real estate lending. We take pride in offering local underwriting and local servicing. We think this sets us apart and is what makes us the leading real estate lender in our market.
Home Loan Arrangers Providing solutions for home loans for all loan types: Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow Holdback, FHA Escrow Holdback. Purchases and Refinances. Conventional, FHA, VA, USDA, Renovation Loans, 203K Loans, VA Escrow Holdback, USDA Escrow.
We provide deposits and lending services to a broad range of consumer, retail, manufacturing, agricultural, energy, real estate and commercial customers. Our community banks provide hometown service, resources and support for the eight communities we serve in central Kansas and Overland Park, Kansas.
The process of getting a commercial farm can be intimidating & overwhelming, making it important to choose a company that can guide you through. United Farm Mortgage has what it takes to get you through loan complications. For 35+ years, American farmers and rural communities have come to us to be provided with loans for their farms & properties.
7381 West 133rd Street #200, Overland Park, KS, 66213
Lends in Kansas
Welcome to Metropolitan Mortgage Corporation, your trusted mortgage lender serving Overland Park, KS, and surrounding areas. Our portfolio of loan products includes Conventional, Jumbo, FHA, VA, USDA, and renovation loans, ensuring that we have the perfect financing solution for every situation. With a commitment to customer satisfaction, we have p
