What is an FHA Loan? Requirements, How to Get One and Best Lenders
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2024 FHA Loan Limits in Kansas

Updated on:
Content was accurate at the time of publication.

When it comes to home loans, understanding your options and eligibility criteria is important. For first-time and repeat homebuyers in Kansas, FHA loans offer a variety of unique advantages. These government-backed loans provide opportunities for individuals with limited financial resources by offering competitive interest rates and flexible qualification requirements, making homeownership more accessible to a broader range of individuals in the state.

The FHA loan limit in 2024 is $498,257 for single family homes in Kansas. We’ll take a closer look at loan limits for each Kansas county and explain how to qualify for this type of home loan.

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ALLEN$498,257$637,950$771,125$958,350$100,000
ANDERSON$498,257$637,950$771,125$958,350$157,000
ATCHISON$498,257$637,950$771,125$958,350$150,000
BARBER$498,257$637,950$771,125$958,350$102,000
BARTON$498,257$637,950$771,125$958,350$133,000
BOURBON$498,257$637,950$771,125$958,350$112,000
BROWN$498,257$637,950$771,125$958,350$124,000
BUTLER$498,257$637,950$771,125$958,350$221,000
CHASE$498,257$637,950$771,125$958,350$158,000
CHAUTAUQUA$498,257$637,950$771,125$958,350$72,000
CHEROKEE$498,257$637,950$771,125$958,350$128,000
CHEYENNE$498,257$637,950$771,125$958,350$122,000
CLARK$498,257$637,950$771,125$958,350$100,000
CLAY$498,257$637,950$771,125$958,350$152,000
CLOUD$498,257$637,950$771,125$958,350$110,000
COFFEY$498,257$637,950$771,125$958,350$161,000
COMANCHE$498,257$637,950$771,125$958,350$85,000
COWLEY$498,257$637,950$771,125$958,350$99,000
CRAWFORD$498,257$637,950$771,125$958,350$130,000
DECATUR$498,257$637,950$771,125$958,350$55,000
DICKINSON$498,257$637,950$771,125$958,350$158,000
DONIPHAN$498,257$637,950$771,125$958,350$211,000
DOUGLAS$498,257$637,950$771,125$958,350$298,000
EDWARDS$498,257$637,950$771,125$958,350$84,000
ELK$498,257$637,950$771,125$958,350$75,000
ELLIS$498,257$637,950$771,125$958,350$230,000
ELLSWORTH$498,257$637,950$771,125$958,350$132,000
FINNEY$498,257$637,950$771,125$958,350$258,000
FORD$498,257$637,950$771,125$958,350$145,000
FRANKLIN$498,257$637,950$771,125$958,350$199,000
GEARY$498,257$637,950$771,125$958,350$287,000
GOVE$498,257$637,950$771,125$958,350$139,000
GRAHAM$498,257$637,950$771,125$958,350$108,000
GRANT$498,257$637,950$771,125$958,350$186,000
GRAY$498,257$637,950$771,125$958,350$176,000
GREELEY$498,257$637,950$771,125$958,350$128,000
GREENWOOD$498,257$637,950$771,125$958,350$90,000
HAMILTON$498,257$637,950$771,125$958,350$122,000
HARPER$498,257$637,950$771,125$958,350$96,000
HARVEY$498,257$637,950$771,125$958,350$221,000
HASKELL$498,257$637,950$771,125$958,350$212,000
HODGEMAN$498,257$637,950$771,125$958,350$100,000
JACKSON$498,257$637,950$771,125$958,350$200,000
JEFFERSON$498,257$637,950$771,125$958,350$200,000
JEWELL$498,257$637,950$771,125$958,350$80,000
JOHNSON$498,257$637,950$771,125$958,350$427,000
KEARNY$498,257$637,950$771,125$958,350$258,000
KINGMAN$498,257$637,950$771,125$958,350$126,000
KIOWA$498,257$637,950$771,125$958,350$144,000
LABETTE$498,257$637,950$771,125$958,350$107,000
LANE$498,257$637,950$771,125$958,350$143,000
LEAVENWORTH$498,257$637,950$771,125$958,350$427,000
LINCOLN$498,257$637,950$771,125$958,350$110,000
LINN$498,257$637,950$771,125$958,350$427,000
LOGAN$498,257$637,950$771,125$958,350$146,000
LYON$498,257$637,950$771,125$958,350$158,000
MARION$498,257$637,950$771,125$958,350$139,000
MARSHALL$498,257$637,950$771,125$958,350$136,000
MCPHERSON$498,257$637,950$771,125$958,350$235,000
MEADE$498,257$637,950$771,125$958,350$164,000
MIAMI$498,257$637,950$771,125$958,350$427,000
MITCHELL$498,257$637,950$771,125$958,350$95,000
MONTGOMERY$498,257$637,950$771,125$958,350$109,000
MORRIS$498,257$637,950$771,125$958,350$123,000
MORTON$498,257$637,950$771,125$958,350$79,000
NEMAHA$498,257$637,950$771,125$958,350$210,000
NEOSHO$498,257$637,950$771,125$958,350$58,000
NESS$498,257$637,950$771,125$958,350$75,000
NORTON$498,257$637,950$771,125$958,350$108,000
OSAGE$498,257$637,950$771,125$958,350$200,000
OSBORNE$498,257$637,950$771,125$958,350$86,000
OTTAWA$498,257$637,950$771,125$958,350$187,000
PAWNEE$498,257$637,950$771,125$958,350$112,000
PHILLIPS$498,257$637,950$771,125$958,350$112,000
POTTAWATOMIE$498,257$637,950$771,125$958,350$287,000
PRATT$498,257$637,950$771,125$958,350$138,000
RAWLINS$498,257$637,950$771,125$958,350$131,000
RENO$498,257$637,950$771,125$958,350$175,000
REPUBLIC$498,257$637,950$771,125$958,350$84,000
RICE$498,257$637,950$771,125$958,350$107,000
RILEY$498,257$637,950$771,125$958,350$287,000
ROOKS$498,257$637,950$771,125$958,350$103,000
RUSH$498,257$637,950$771,125$958,350$96,000
RUSSELL$498,257$637,950$771,125$958,350$98,000
SALINE$498,257$637,950$771,125$958,350$187,000
SCOTT$498,257$637,950$771,125$958,350$242,000
SEDGWICK$498,257$637,950$771,125$958,350$221,000
SEWARD$498,257$637,950$771,125$958,350$146,000
SHAWNEE$498,257$637,950$771,125$958,350$200,000
SHERIDAN$498,257$637,950$771,125$958,350$162,000
SHERMAN$498,257$637,950$771,125$958,350$160,000
SMITH$498,257$637,950$771,125$958,350$92,000
STAFFORD$498,257$637,950$771,125$958,350$110,000
STANTON$498,257$637,950$771,125$958,350$87,000
STEVENS$498,257$637,950$771,125$958,350$147,000
SUMNER$498,257$637,950$771,125$958,350$221,000
THOMAS$498,257$637,950$771,125$958,350$177,000
TREGO$498,257$637,950$771,125$958,350$142,000
WABAUNSEE$498,257$637,950$771,125$958,350$200,000
WALLACE$498,257$637,950$771,125$958,350$115,000
WASHINGTON$498,257$637,950$771,125$958,350$117,000
WICHITA$498,257$637,950$771,125$958,350$112,000
WILSON$498,257$637,950$771,125$958,350$110,000
WOODSON$498,257$637,950$771,125$958,350$126,000
WYANDOTTE$498,257$637,950$771,125$958,350$427,000

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FHA loan limits change annually because they fluctuate with local home price changes and are based on a percentage of the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

When exploring FHA loans, buyers must purchase within what are known as “floor” and “ceiling” limits. The FHA’s “floor,” or minimum loan limit, is 65% of the national conforming loan limit, while the FHA’s “ceiling,” or maximum loan amount, is set at 150% of the national conforming loan limit. As you shop around, keep in mind that adhering to these limits ensures compliance with FHA guidelines and eligibility criteria.

FHA loans are designed to make homeownership accessible. By offering lenient loan eligibility requirements, these loans provide opportunities for individuals who may not qualify for conventional mortgages. This flexibility extends to borrowers with lower credit scores or higher debt-to-income ratios, making FHA loans a valuable option for those seeking to purchase a home.

Here are the requirements for an FHA home loan:

 500 credit score. For FHA loans, the minimum credit score needed to buy a house is 500.

 Minimum down payment of 3.5%. Homebuyers with credit scores below 580 must provide a minimum down payment of 10%, while those with higher scores need a 3.5% down payment.

 Maximum debt-to-income ratio of 43%. Borrowers must have a debt-to-income ratio (DTI) of 43% or lower to show they can afford the home loan.

 Home appraisal. Completion of appraisal of the property to ensure it meets FHA appraisal guidelines.

 Mortgage insurance. Pay upfront and annual mortgage insurance. Upfront mortgage insurance is equal to 1.75% of the loan amount and paid at closing, while the annual mortgage insurance ranges from 0.15% to 0.75% of the loan amount and is usually tacked onto the monthly payment.

 Occupancy. The home must serve as a primary residence for a minimum of 12 months.

 Mortgage cash reserves. A mortgage cash reserve to cover one to three months of payments, based on the number of units.

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Buying a multifamily property with an FHA loan

If you choose an FHA loan, you also have the option to buy a multifamily home, a property with two to four units. Similar to purchasing a single-family home, this requires a minimum credit score of 500, a maximum debt-to-income ratio of 43% and occupancy of one of the units as the primary residence for at least 12 months. Additionally, homebuyers must get the home appraised, pay for two types of mortgage insurance and have a certain amount in their cash reserves.

Number of unitsLow-cost FHA loan limit
Two$637,950
Three$771,125
Four$958,350

How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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