In 2025, the USDA loan cap in Winfield, within Cowley county, KS, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the advantages of current USDA versus FHA rates. Determine the necessary qualifications such as income, credit status, reserves, and documents. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs together to aid you in choosing the best plan for your finances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
Lendersa® is committed to facilitating the best USDA or FHA loan options quickly and smoothly. Choose from three pathways to connect with lenders and USDA programs tailored to your specifications.
A USDA home loan is a government-guaranteed mortgage from the Department of Agriculture, also known as a USDA rural development loan, available solely in rural areas. In contrast to FHA loans which necessitate a minimum down payment of 3.5%, the USDA mortgage demands no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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