During 2025, the USDA loan ceiling in Shawnee, in Johnson County, KS, is $345,000. In contrast, the FHA limit for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA against FHA rates and understand the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage tool allows a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the most fitting program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $345,000 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly provide you with the ideal USDA or FHA loan with minimal hassle. Choose from three starting points that connect you to matching lenders and USDA loan programs.
A USDA home loan, backed by the government through the Department of Agriculture, also known as a USDA rural development loan or mortgage, is intended solely for rural areas. Unlike FHA loans, which require a 3.5% down payment, no down payment is necessary for USDA mortgages.
Enter your location to find out if it qualifies for USDA rural housing loan?
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