USDA and FHA Pro and Con in Ottawa, Franklin County, KS
During 2025, the USDA loan limit in Ottawa, within Franklin County, KS, is set at $336,500. However, for a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today's leading USDA vs. FHA rates, determining the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program is best for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Ottawa, Franklin 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 Ottawa, KS
Lendersa® strives to swiftly provide the ideal USDA or FHA loan without complications. Start with one of three methods to connect with matching lenders and USDA loan programs that suit your needs.
A USDA home loan, guaranteed by the Department of Agriculture, known also as a USDA rural development loan or mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans need no down payment at all.
"I have been helping friends and families with mortgage home loans since 2002.
Prior to being a full time loan agent, I worked with Chase, Wells Fargo Bank and Bank of America.
I have over 20 years of loan and financial services experience.
I will always provide you with expert advice and give my best effort to meet your goals"
Mega Bank is a Chinese American community bank opening for business in February 2008. Our board of directors is composed of experienced bankers who have had successful careers with community banks in the San Gabriel Valley. Five of our board members are former bank directors and three of them served as bank presidents and chief executive officers.
Founded in 2006 by a group of business entrepreneurs & professionals in Los Angeles & Orange Counties,Pacific Alliance Bank is a California state-chartered bank serving communities in Southern CA.We are a full-service bank focused on building relationships by delivering personal, commercial & lending products & services that best serve our clients.
Asian Pacific National Bank (APNB) was established in August 1990 to offer personalized banking services to the business community in the San Gabriel Valley and Los Angeles Region. Based in Southern California, APNB has a deep understanding of the needs of the community as well as the financial resources to support its steady continuing growth.
Victoria Financial began as a humble mortgage broker in the heart of the San Gabriel Valley since 1986. Our establishment pioneered the then innovative no-cost loan with the benefit of our clientele as our main objective. As a mortgage banker today, we are leaders in competitive rates & prioritize customer satisfaction as a predominant core value.
Conquest Financial provide mortgage advice to our clients. We try to step into the eyes of our clients. We understand the anxiety involved with purchasing a home. Our loan management process is aimed at transforming the home buying process into an enjoyable experience: the way it should be. We eliminate the unknown by helping our clients.
501 South San Gabriel Boulevard, Unit 203, San Gabriel, CA, 91776
At First Professional Finance Corporation we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" & will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
1045 East Valley Boulevard, Suite A109, San Gabriel, CA, 91776
Founded in 2001, East Star Mortgage is a trusted residential mortgage direct lender that provides high quality in-house processing, underwriting and funding to real estate professionals and individual home buyers throughout California. With over 15 years of experience, East Star Mortgage is able to walk you through a smooth and organized loan.
3334 E Coast Hwy, Suite 234, Corona Del Mar, CA, 92625
"At Lend a Hand, we treat our clients well. We have proudly built our success as a Mortgage lender with the philosophy that our customers always come first.
Borrowers satisfied with their mortgage loan are more important to us than anything else. At Lend A Hand, our goal has always been making the loan process simple and worry-free."
