USDA and FHA Pro and Con in Wichita, Sedgwick County, KS

In the year 2025, Wichita, Sedgwick county, KS sees a USDA loan cap of $336,500, while the FHA cap for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and clarify the income, credit score, reserves, and necessary documents for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, facilitating the decision on the optimal program in Alabama tailored to your financial circumstances.

Review loan offers from 100 lenders

2025 Loan Caps and Down Payment Guidance in Wichita, Sedgwick County, KS

Loan Type Loan Limit Down Payment Percentage
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Wichita, KS

Lendersa® aims to swiftly connect you with the most suitable USDA or FHA loan, minimizing hassle. Select one of three initial steps to identify matching lenders and explore USDA loan strategies.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in KS

The USDA home loan is a government-backed loan facilitated by the Department of Agriculture, also recognized as a USDA rural development loan or mortgage. It is strictly available for rural zones. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA mortgages require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • SECURITY MORTGAGE CORPORATION
  • 8614 Deep Maple Drive, Riverview, FL, 33578
  • Security Mortgage Corporation specialize in Home Purchase Loans (FHA & Conventional) FHA 203K Home Purchase Rehabilitation Loans Refinance & 125% Mortgage Relief Refinance Loans Reverse Mortgages Low Rate 30 year and 15 year fixed mortgages and We promise to give you and your realtor the best service. We promise to give you a great deal
  • Topside FCU
  • 17442 Dahlgren Road, Dahlgren, VA, 22448
  • Topside Federal Credit Union was federally chartered in 1961, and has grown into a full-service financial institution with total assets of over $400 million dollars. We value our members' trust, and work diligently to offer the financial services our members need and want. Our members' funds are federally insured by National Credit Union
  • First Savings Mortgage
  • 659 C St SE, Washington, DC, 20003
  • First Savings Mortgage Providing outstanding customer service, through in‐house pricing, processing, underwriting and closing we save you time, closing your loan quickly.We help individuals looking to purchase, refinance or invest in property in the Washington DC metro area. We are experts on Capitol Hill where we have been part of the community.
  • Americhoice Federal Credit Union
  • 2175 Bumble Bee Hollow Rd, Mechanicsburg, PA, 17055
  • AmeriChoice Federal Credit Union was founded in 1970 by a small group of IBM Corporation employees. Through the years, we’ve grown by extending eligibility to the South Central PA Community including Adams, Cumberland, Dauphin, Lebanon, Perry or York Counties. Today, we are more than 15, 000 members strong with assets exceeding $180 million.
  • Kerins Associates Inc
  • 13821 Mills Avenue, Silver Spring, MD, 20904
  • Kerins Associates goal is to help families meet their personal and financial goals with the lowest monthly mortgage payment. Making dreams come true is what drives me to excel every day. With my many years in the mortgage business I have built relationships with top lenders to provide elite programs and pricing.
  • Advanced Mortgage LLC
  • 12501 Prosperity Dr, Suite 430, Silver Spring, MD, 20904
  • Advanced Mortgage our Mission is to serve individuals and families with the utmost integrity. Advanced Mortgage. Financing a home is one of the biggest commitments you will ever make. Let Advanced Mortgage help guide you through the entire loan process, from application to closing and beyond. Advanced Mortgage LLC,
  • Pittsford Federal Credit Union
  • 20 Tobey Village Road, Pittsford, NY, 14534
  • Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.
  • Rochester Home Equity Inc
  • 180 Office Park Way, Suite 2000, Pittsford, NY, 14534
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Mifflinburg Bank and Trust Company
  • 250 East Chestnut Street, Mifflinburg, PA, 17844
  • Established in 1872 in Mifflinburg, Pennsylvania, Mifflinburg Bank was founded at a time when the town was heavily involved in the manufacturing of buggies. The booming business of the town and its location along one of the main arteries to the West provided residents good economic times and ample cash and investment opportunities that became the s
  • Choice Home Finance LLC
  • 5560 Compton Lane, Eldersburg, MD, 21784
  • Choice Home Finance is a licensed mortgage broker committed to responsible lending. We are experts in locating the best mortgage for your individual circumstances. We have extensive experience in most of the products and programs that are available today. We can help you secure a residential mortgage loan,
  • McCormick Mortgage Services LLC
  • 1932 Liberty Road, Eldersburg, MD, 21784
  • Through out the years, we have developed relationships with some of the strongest mortgage investors in the country. These relationships allow us to offer a complete range of loan programs and pricing to fit the needs of our customers. These loan programs include conventional, government, & non-conforming with fixed rate & adjustable rate options.