USDA and FHA Pro and Con in Wellington, Sumner County, KS
For 2026, the USDA loan cap in Wellington, located in the county of Sumner, KS, is marked at $336,500, whereas the FHA threshold for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the current top rates between USDA and FHA. Determine the necessary income, credit score, financial reserves, and pertinent documents needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the program in that best aligns with your financial needs.
2026 Loan Limits and Down Payment Requirements in Wellington, Sumner County, KS
Type of Loan
Maximum Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Options for USDA and FHA Loans in Wellington, KS
The mission of Lendersa® is to secure the most suitable USDA or FHA loan swiftly and smoothly. Initiate the process with any of three available options to discover compatible lenders and the USDA loan offerings.
A USDA home loan is underwritten by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, designed for rural areas exclusively. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require absolutely no down payment.
Impact Bank was created by the April 2, 2012 merger of Caldwell State Bank and First National Bank in Wellington. Both financial institutions were healthy, long-standing community banks serving local families and businesses for generations. Caldwell State Bank was founded in 1928 and First National Bank in Wellington began in 1879.
The Bank of Commerce and Trust Company, formerly known as the National Bank of Commerce, can trace its roots to the oldest bank in Wellington, the Woods Bank. In October of 1873 Mr. John J. Woods opened the Woods Bank at the southwest corner of Washington and 7th Streets in a frame building. For several years,
502 North Merchant Street, Belle Plaine, KS, 67013
Lends in Kansas
The Valley State Bank is a community bank that has operated under the same name since it was founded in 1897. Since establishment, the financial institution has grown and opened branch locations in Derby, KS and Wichita, KS.
Valley State Bank has been accorded the special recognition of Blue Ribbon Bank
Our purpose at Carson Bank is to strengthen our home communities by providing knowledgeable and trustworthy financial solutions to fulfill individual, commercial, and public financial needs. The As your trusted advisor and friend, We are attentive, caring, and accommodating to every customer who visits our bank.
The Stock Exchange Bank of Caldwell, the oldest banking institution in Caldwell and Sumner County, received its state charter on November 12, 1881 and opened on Christmas Eve, December 24, 1881. The stone building erected to house the bank in 1881 at a cost of $5,000, has undergone several remodeling projects
Skyward Credit Union was chartered on July 16, 1941, as a not-for-profit corporation under Kansas State law, to accept savings and make loans for those who qualify for membership.
Credit unions are regulated by the Kansas State Department of Credit Unions and the National Credit Union Association (NCUA).
Freedom 1st FCU is a profit-sharing cooperative financial institution, dedicated to quality service in meeting the financial needs of its members. The safety and stability of its members' assets shall be the prime consideration in the development and delivery of a variety of competitive services.
The Ark Valley Credit Union was formed in 1955 as the Rodeo Credit Union for employees of Maurer-Neuer, Inc. The Credit Union was opened to Cowley County residents in 1979 and the name changed to Ark Valley Credit Union in 1990. In 2003, Ark Valley Credit Union merged with the Rainbow Credit Union and opened a branch office in Winfield.
My passion is educating & guiding families through the home loan process. I am driven to find the best financing opportunity for every home buyer. I do this by making banks compete to give us their very best offer. Growing up in Peck KS the old-school values of hard work and honesty were instilled in me from a very young age. I use these same princ
