For the year 2025, the USDA loan ceiling in Overland-Park, located in Johnson, KS, stands at $311,800. Meanwhile, the FHA limit for a single-family dwelling is $389,850.
Make use of the Lendersa® USDA loan calculator to weigh today's top USDA and FHA rates. It also helps you understand the income, credit score, reserves, and documentation required for eligibility. Our advanced mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA programs, assisting you in selecting the right choice for your financial needs in
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| Loan Type | Loan Cap | Down Payment |
| USDA | $311,800 | 0% |
| FHA | $389,850 | 3.5% |
| Conforming Conventional | $548,250 | 3% |
At Lendersa®, our aim is to help you secure the best USDA or FHA loan quickly and effortlessly. Choose from one of three routes that lead you to matching lenders and USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusively offered in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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