Kansas FHA Loan Rates, Closing Costs & Stats

Kansas

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Kansas FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Kansas averaged -0.19% for the week of 2023-11-24, compared to the national average (all FHA variants) of 0% for the same period.

Kansas's average FHA mortgage closing costs are $5,805.

The average rate for the prior week (2023-11-17) was 6.7% and one month ago for the week of 2023-10-20, the average rate was 6.91%.

The average rate one year ago was 6.04%.

For refis of the same type during the week of 2023-11-24, the average rate was -1.16%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Kansas FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Kansas level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 647 4.61% $7,720
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 419 5.28% $6,977
FLAT BRANCH MORTGAGE, INC. 347 5.19% $6,302
NBH Bank 162 5.13% $4,865
LOANDEPOT.COM, LLC 157 5.12% $8,171
OPEN MORTGAGE, LLC 147 5.06% $7,715
PRIMARY RESIDENTIAL MORTGAGE, INC. 119 5.56% $7,138
UNITED WHOLESALE MORTGAGE, LLC 114 5.07% $7,459
LEADERONE FINANCIAL CORPORATION 113 5.04% $7,549
PRIMELENDING, A PLAINSCAPITAL COMPANY 113 5.19% $7,610
Sierra Pacific Mortgage Company, Inc. 107 5.21% $8,223
FREEDOM MORTGAGE CORPORATION 103 4.97% $7,843
PENNYMAC LOAN SERVICES, LLC 99 4.23% $7,744
Mortgage Investment Services Corporation 96 5.00% $5,061
Gateway First Bank 93 5.34% $6,029
Fidelity Bank 89 5.03% $6,269
Landmark National Bank 88 4.98% $5,792
AMERISAVE MORTGAGE CORPORATION 82 4.77% $9,170
DELMAR FINANCIAL COMPANY 82 5.06% $7,434
CMG MORTGAGE, INC. 79 4.67% $8,560
Flagstar Bank, FSB 78 4.87% $6,247
Mr. Cooper ( Nationstar Mortgage ) 75 4.62% $9,518
BROKER SOLUTIONS, INC. 75 4.99% $8,886
HOME POINT FINANCIAL CORPORATION 69 4.54% $7,174
CALIBER HOME LOANS, INC. 69 5.11% $7,339
Members Mortgage Services, L.L.C. 67 4.78% $4,358
LAKEVIEW LOAN SERVICING, LLC 62 4.09% $6,263
GUILD MORTGAGE COMPANY 59 5.18% $7,544
Plains Commerce Bank 58 5.39% $8,415
Sunflower Bank 54 4.75% $6,334
First State Bank of St. Charles, Missouri 49 4.75% $7,324
Regent Financial Group, Inc. 47 5.03% $7,289
JLB CORPORATION 43 4.87% $9,079
United Fidelity Funding Corp. 41 4.92% $9,209
MOVEMENT MORTGAGE, LLC 40 5.36% $6,434
AMERICAN FINANCING CORPORATION 39 4.76% $8,063
UNION HOME MORTGAGE CORP. 38 5.13% $7,434
GUARANTEED RATE, INC. 38 5.30% $8,233
CROSSCOUNTRY MORTGAGE, LLC 37 5.25% $8,972
ENDEAVOR CAPITAL, LLC. 36 5.41% $7,559
BOKF 35 4.87% $7,321
PLANET HOME LENDING, LLC 35 4.95% $7,242
Carrington Mortgage Services, LLC 33 4.92% $8,914
DAS Acquisition Company, LLC 33 5.22% $8,065
Nations Lending Corporation 33 5.26% $8,864
COMMUNITYAMERICA 32 4.52% $7,061
Central National Bank 31 5.21% $4,240
U.S. Bank 30 5.33% $6,708
Prosperity Home Mortgage, LLC 28 5.24% $9,123
Equity Prime Mortgage LLC 27 5.25% $8,190
ARK-LA-TEX FINANCIAL SERVICES, LLC. 27 5.22% $7,718
Mortgage Research Center, LLC 27 5.48% $5,543
Arvest Bank 26 5.21% $7,476
THRIVE MORTGAGE, LLC 25 5.21% $7,435
BNC National Bank 24 4.79% $7,463
MUTUAL OF OMAHA MORTGAGE, INC. 24 4.83% $10,042
CARDINAL FINANCIAL 23 4.49% $9,383
MID AMERICA MORTGAGE, INC. 23 5.54% $4,421
EVERETT FINANCIAL, INC. 22 5.31% $5,552
US MORTGAGE CORPORATION 22 5.11% $7,571
NEWREZ LLC 22 4.97% $7,171
COMMUNITY MORTGAGE, LLC 19 4.73% $7,964
Paramount Residential Mortgage Group, Inc. 19 5.33% $10,415
Bell Bank 19 5.32% $7,689
SUMMIT FUNDING, INC. 19 5.66% $9,311
Commerce Bank 18 5.21% $5,171
Ixonia Bank 17 4.96% $8,910
FBC MORTGAGE, LLC 17 5.79% $7,583
Neighborhood Loans, Inc. 16 6.29% $8,849
BAY EQUITY LLC 16 4.81% $10,856
First Bank 16 4.63% $9,139
The Central Trust Bank 15 5.08% $8,300
SUN WEST MORTGAGE COMPANY, INC. 13 5.13% $8,194
PANORAMA MORTGAGE GROUP, LLC 13 5.68% $10,766
NBKC BANK 12 4.60% $7,627
ZILLOW HOME LOANS, LLC 11 5.18% $7,866
HOMESIDE FINANCIAL, LLC 11 5.25% $7,305
Bank of America 11 3.75% $4,743
North American Savings Bank, F.S.B. 11 5.28% $6,707
Citizens Bank 10 4.00% $5,495
RCB Bank 10 5.01% $5,399
SUCCESS MORTGAGE PARTNERS, INC. 10 5.35% $10,521
PLAZA HOME MORTGAGE, INC. 9 4.94% $5,963
Bank of England 9 4.96% $9,116
CHURCHILL MORTGAGE CORPORATION 9 4.87% $7,092
HOMEBRIDGE FINANCIAL SERVICES, INC. 9 4.83% $8,542
ROYAL UNITED MORTGAGE LLC 9 5.78% $8,678
The Federal Savings Bank 9 4.92% $9,000
Wells Fargo Bank 9 5.29% $5,573
Barrington Bank & Trust Company, N.A. 8 4.80% $6,806
FINANCE OF AMERICA MORTGAGE LLC 8 5.31% $9,296
ACADEMY MORTGAGE CORPORATION 8 5.03% $8,265
American Mortgage & Equity Consultants, Inc. 8 5.00% $6,409
M&T Bank 8 4.92% $6,819
Mazuma Credit Union 8 5.00% $8,744
CREDIT UNION OF AMERICA 7 4.95% $3,833
Armed Forces Bank 7 4.52% $7,279
INLAND BANK & TRUST 7 5.27% $6,736
First Federal Bank of Kansas City 7 4.86% $7,839
S1L, Inc. 7 5.43% $7,540
LOANPAL, LLC 7 4.43% $9,592
JPMorgan Chase Bank 6 4.64% $4,921
AMERICAN PACIFIC MORTGAGE CORPORATION 6 5.58% $9,727
PENTAGON FEDERAL CREDIT UNION 6 5.40% $4,909
UNITED MORTGAGE CORP 6 5.00% $9,542
First Home Bank 6 5.35% $9,915
Community First National Bank 6 5.17% $6,922
GERSHMAN INVESTMENT CORP. 6 5.44% $5,319
First Guaranty Mortgage Corporation 6 3.65% $7,414
Intrust Bank 5 4.35% $4,411
Chickasaw Community Bank 5 5.85% $6,079
GENEVA FINANCIAL, LLC 5 6.50% $7,331
Bank of the West 5 5.38% $5,911
Servion, Inc. 5 5.18% $8,101
LIBERTY HOME MORTGAGE CORPORATION 5 6.23% $9,914
MORTGAGE SOLUTIONS OF COLORADO, LLC 5 5.58% $11,379
American Mortgage Bank, LLC 5 5.88% $11,336
First National Bank of Omaha 5 4.60% $6,476
Wyndham Capital Mortgage, Inc. 4 4.84% $7,819
The Home Loan Expert LLC 4 4.16% $6,404
MEGASTAR FINANCIAL CORP. 4 5.72% $8,555
RESIDENTIAL BANCORP 4 4.88% $8,391
RELIANCE FIRST CAPITAL, LLC 4 5.97% $10,830
NEW DAY FINANCIAL, LLC 4 5.00% $7,035
JAMES B. NUTTER & COMPANY 4 5.25% $8,553
NETWORK CAPITAL FUNDING CORPORATION 4 5.88% $7,012
OCEANSIDE MORTGAGE COMPANY 4 4.59% $5,677
PHH Mortgage Corporation 4 4.78% $10,888
MORIA DEVELOPMENT, INC. 4 5.75% $7,443
Midwest Mortgage Associates Corporation 3 5.67% $2,901
Magnolia Bank 3 5.29% $10,631
RUOFF MORTGAGE COMPANY, INC. 3 5.04% $7,623
Financial Funding Solutions, Inc. 3 5.17% $6,038
GSF Mortgage Corporation 3 6.00% $9,789
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 4.83% $9,103
Amerifirst Financial, Inc. 3 5.38% $7,383
T2 FINANCIAL LLC 3 4.88% $9,851
INLANTA MORTGAGE, INC. 3 4.50% $6,812
VANDERBILT MORTGAGE AND FINANCE, INC. 2 5.63% $11,378
RED DIAMOND HOME LOANS, LLC 2 4.88% $7,276
Adams Bank & Trust 2 5.75% $4,944
NATIONWIDE MORTGAGE BANKERS, INC. 2 4.75% $6,606
MYCUMORTGAGE, LLC 2 5.63% $3,790
AMERICAN FINANCIAL RESOURCES, INC. 2 4.69% $5,349
TruHome Solutions, LLC 2 6.00% $10,332
CASTLE & COOKE MORTGAGE, LLC 2 5.50% $7,978
CRESCENT MORTGAGE COMPANY 2 3.56% $9,535
KELLER MORTGAGE, LLC 2 4.75% $7,034
GUARANTEED RATE AFFINITY, LLC 2 5.19% $9,461
EMBRACE HOME LOANS, INC. 2 4.25% $10,365
Enterprise Bank & Trust 2 6.38% $5,828
Peoples Bank 2 5.13% $7,528
Springfield First Community Bank 2 4.38% $3,043
HOMESPIRE MORTGAGE CORPORATION 2 5.44% $8,200
BAYSHORE MORTGAGE FUNDING, LLC 2 7.13% $12,559
Academy Bank 2 5.38% $7,294
Regions Bank 2 5.00% $6,767
PREMIA MORTGAGE, LLC 2 5.94% $6,250
Colonial Savings, F.A. 2 6.00% $10,181
Goldwater Bank, N.A. 1 5.25% $13,575
Flanagan State Bank 1 6.63% $7,293
GUARANTY HOME MORTGAGE CORPORATION 1 6.75% $7,617
First United Bank 1 3.38% $5,911
FirstTrust Home Loans, Inc. 1 3.63% $5,460
First Savings Bank 1 7.25% $5,527
Hometown Lenders, Inc. 1 4.00% $9,260
First Internet Bank of Indiana 1 4.38% $7,195
First Horizon Bank 1 5.75% $5,741
FINANCIAL CONCEPTS MORTGAGE, LLC 1 5.38% $5,420
MORTGAGE ACCESS CORP. 1 5.75% $15,349
Equity Bank 1 5.25% $3,731
CORNERSTONE HOME LENDING, INC. 1 3.75% $9,087
NFM, INC. 1 5.63% $7,839
CHARTER WEST BANK 1 4.75% $5,313
Northpointe Bank 1 3.13% $5,035
Century Mortgage Company DBA Century Lending Company 1 2.38% $10,602
Origin Bank 1 3.00% $10,073
Paramount Bank 1 5.25% $5,252
Carrollton Bank 1 3.63% $5,774
Peak Financial 1 6.50% $10,012
CANOPY MORTGAGE, LLC 1 5.99% $10,889
BMO Harris Bank 1 5.00% $5,995
BETTER MORTGAGE CORPORATION 1 4.50% $19,164
PNC Bank 1 5.88% $6,422
PREMIER MORTGAGE RESOURCES, L.L.C. 1 5.25% $7,521
BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 5.63% $7,440
AmRes Corporation 1 7.00% $8,552
Wichita Federal Credit Union 1 3.00% $550
SECURITYNATIONAL MORTGAGE COMPANY 1 7.13% $8,201
SENTE MORTGAGE, INC. 1 7.13% $10,158
Ameris Bank 1 6.13% $12,410
Simmons Bank 1 6.63% $6,178
SOUTHWEST STAGE FUNDING, LLC 1 5.88% $11,246
SpiritBank 1 5.75% $5,589
Stride Bank 1 3.63% $8,710
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.63% $7,583
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.25% $4,758
Texana Bank 1 5.13% $9,442
American National Bank 1 4.00% $4,548
The Union Bank Company 1 5.63% $9,431
American Bank of Oklahoma 1 6.75% $8,220
UNIVERSAL LENDING CORPORATION 1 6.50% $10,012
AMCAP MORTGAGE, LTD. 1 5.63% $6,506
VILLAGE CAPITAL MORTGAGE 1 6.38% $11,802
F & M Bank 1 4.00% $4,992
Great Southern Bank 1 5.75% $5,602

The top Kansas FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 647 FHA loans originated. Their average total fees are $7,720, which is $743 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee Kansas FHA lenders (with over 10 loans originated) are Central National Bank ($4,240), Members Mortgage Services, L.L.C. ($4,358), MID AMERICA MORTGAGE, INC. ($4,421), Bank of America ($4,743) and NBH Bank ($4,865).

The lowest rate Kansas FHA lenders (with over 10 loans originated) are Bank of America (3.75%), Citizens Bank (4.00%), LAKEVIEW LOAN SERVICING, LLC (4.09%), PENNYMAC LOAN SERVICES, LLC (4.23%) and CARDINAL FINANCIAL (4.49%).

Kansas FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
NON-METRO ALLEN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO ANDERSON 2022 $420,680 $538,650 $651,050 $809,150
ATCHISON, KS ATCHISON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BARBER 2022 $420,680 $538,650 $651,050 $809,150
GREAT BEND, KS BARTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BOURBON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BROWN 2022 $420,680 $538,650 $651,050 $809,150
WICHITA, KS BUTLER 2022 $420,680 $538,650 $651,050 $809,150
EMPORIA, KS CHASE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CHAUTAUQUA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CHEROKEE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CHEYENNE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CLARK 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CLAY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CLOUD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COFFEY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COMANCHE 2022 $420,680 $538,650 $651,050 $809,150
WINFIELD, KS COWLEY 2022 $420,680 $538,650 $651,050 $809,150
PITTSBURG, KS CRAWFORD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DECATUR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DICKINSON 2022 $420,680 $538,650 $651,050 $809,150
ST. JOSEPH, MO-KS DONIPHAN 2022 $420,680 $538,650 $651,050 $809,150
LAWRENCE, KS DOUGLAS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO EDWARDS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO ELK 2022 $420,680 $538,650 $651,050 $809,150
HAYS, KS ELLIS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO ELLSWORTH 2022 $420,680 $538,650 $651,050 $809,150
GARDEN CITY, KS FINNEY 2022 $420,680 $538,650 $651,050 $809,150
DODGE CITY, KS FORD 2022 $420,680 $538,650 $651,050 $809,150
OTTAWA, KS FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
MANHATTAN, KS GEARY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GOVE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GRAHAM 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GRANT 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GRAY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GREELEY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GREENWOOD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HAMILTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HARPER 2022 $420,680 $538,650 $651,050 $809,150
WICHITA, KS HARVEY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HASKELL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HODGEMAN 2022 $420,680 $538,650 $651,050 $809,150
TOPEKA, KS JACKSON 2022 $420,680 $538,650 $651,050 $809,150
TOPEKA, KS JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO JEWELL 2022 $420,680 $538,650 $651,050 $809,150
KANSAS CITY, MO-KS JOHNSON 2022 $431,250 $552,050 $667,350 $829,350
GARDEN CITY, KS KEARNY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KINGMAN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KIOWA 2022 $420,680 $538,650 $651,050 $809,150
PARSONS, KS LABETTE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LANE 2022 $420,680 $538,650 $651,050 $809,150
KANSAS CITY, MO-KS LEAVENWORTH 2022 $431,250 $552,050 $667,350 $829,350
NON-METRO LINCOLN 2022 $420,680 $538,650 $651,050 $809,150
KANSAS CITY, MO-KS LINN 2022 $431,250 $552,050 $667,350 $829,350
NON-METRO LOGAN 2022 $420,680 $538,650 $651,050 $809,150
EMPORIA, KS LYON 2022 $420,680 $538,650 $651,050 $809,150
MCPHERSON, KS MCPHERSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MARION 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MARSHALL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MEADE 2022 $420,680 $538,650 $651,050 $809,150
KANSAS CITY, MO-KS MIAMI 2022 $431,250 $552,050 $667,350 $829,350
NON-METRO MITCHELL 2022 $420,680 $538,650 $651,050 $809,150
COFFEYVILLE, KS MONTGOMERY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MORRIS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MORTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO NEMAHA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO NEOSHO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO NESS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO NORTON 2022 $420,680 $538,650 $651,050 $809,150
TOPEKA, KS OSAGE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO OSBORNE 2022 $420,680 $538,650 $651,050 $809,150
SALINA, KS OTTAWA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO PAWNEE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO PHILLIPS 2022 $420,680 $538,650 $651,050 $809,150
MANHATTAN, KS POTTAWATOMIE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO PRATT 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO RAWLINS 2022 $420,680 $538,650 $651,050 $809,150
HUTCHINSON, KS RENO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO REPUBLIC 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO RICE 2022 $420,680 $538,650 $651,050 $809,150
MANHATTAN, KS RILEY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO ROOKS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO RUSH 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO RUSSELL 2022 $420,680 $538,650 $651,050 $809,150
SALINA, KS SALINE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SCOTT 2022 $420,680 $538,650 $651,050 $809,150
WICHITA, KS SEDGWICK 2022 $420,680 $538,650 $651,050 $809,150
LIBERAL, KS SEWARD 2022 $420,680 $538,650 $651,050 $809,150
TOPEKA, KS SHAWNEE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SHERIDAN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SHERMAN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SMITH 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO STAFFORD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO STANTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO STEVENS 2022 $420,680 $538,650 $651,050 $809,150
WICHITA, KS SUMNER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO THOMAS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO TREGO 2022 $420,680 $538,650 $651,050 $809,150
TOPEKA, KS WABAUNSEE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WALLACE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WASHINGTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WICHITA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WILSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WOODSON 2022 $420,680 $538,650 $651,050 $809,150
KANSAS CITY, MO-KS WYANDOTTE 2022 $431,250 $552,050 $667,350 $829,350
NON-METRO ALLEN 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO ANDERSON 2023 $472,030 $604,400 $730,525 $907,900
ATCHISON, KS ATCHISON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO BARBER 2023 $472,030 $604,400 $730,525 $907,900
GREAT BEND, KS BARTON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO BOURBON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO BROWN 2023 $472,030 $604,400 $730,525 $907,900
WICHITA, KS BUTLER 2023 $472,030 $604,400 $730,525 $907,900
EMPORIA, KS CHASE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO CHAUTAUQUA 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO CHEROKEE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO CHEYENNE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO CLARK 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO CLAY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO CLOUD 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO COFFEY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO COMANCHE 2023 $472,030 $604,400 $730,525 $907,900
WINFIELD, KS COWLEY 2023 $472,030 $604,400 $730,525 $907,900
PITTSBURG, KS CRAWFORD 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO DECATUR 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO DICKINSON 2023 $472,030 $604,400 $730,525 $907,900
ST. JOSEPH, MO-KS DONIPHAN 2023 $472,030 $604,400 $730,525 $907,900
LAWRENCE, KS DOUGLAS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO EDWARDS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO ELK 2023 $472,030 $604,400 $730,525 $907,900
HAYS, KS ELLIS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO ELLSWORTH 2023 $472,030 $604,400 $730,525 $907,900
GARDEN CITY, KS FINNEY 2023 $472,030 $604,400 $730,525 $907,900
DODGE CITY, KS FORD 2023 $472,030 $604,400 $730,525 $907,900
OTTAWA, KS FRANKLIN 2023 $472,030 $604,400 $730,525 $907,900
MANHATTAN, KS GEARY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO GOVE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO GRAHAM 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO GRANT 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO GRAY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO GREELEY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO GREENWOOD 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO HAMILTON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO HARPER 2023 $472,030 $604,400 $730,525 $907,900
WICHITA, KS HARVEY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO HASKELL 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO HODGEMAN 2023 $472,030 $604,400 $730,525 $907,900
TOPEKA, KS JACKSON 2023 $472,030 $604,400 $730,525 $907,900
TOPEKA, KS JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO JEWELL 2023 $472,030 $604,400 $730,525 $907,900
KANSAS CITY, MO-KS JOHNSON 2023 $472,030 $604,400 $730,525 $907,900
GARDEN CITY, KS KEARNY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO KINGMAN 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO KIOWA 2023 $472,030 $604,400 $730,525 $907,900
PARSONS, KS LABETTE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO LANE 2023 $472,030 $604,400 $730,525 $907,900
KANSAS CITY, MO-KS LEAVENWORTH 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO LINCOLN 2023 $472,030 $604,400 $730,525 $907,900
KANSAS CITY, MO-KS LINN 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO LOGAN 2023 $472,030 $604,400 $730,525 $907,900
EMPORIA, KS LYON 2023 $472,030 $604,400 $730,525 $907,900
MCPHERSON, KS MCPHERSON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO MARION 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO MARSHALL 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO MEADE 2023 $472,030 $604,400 $730,525 $907,900
KANSAS CITY, MO-KS MIAMI 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO MITCHELL 2023 $472,030 $604,400 $730,525 $907,900
COFFEYVILLE, KS MONTGOMERY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO MORRIS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO MORTON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO NEMAHA 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO NEOSHO 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO NESS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO NORTON 2023 $472,030 $604,400 $730,525 $907,900
TOPEKA, KS OSAGE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO OSBORNE 2023 $472,030 $604,400 $730,525 $907,900
SALINA, KS OTTAWA 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO PAWNEE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO PHILLIPS 2023 $472,030 $604,400 $730,525 $907,900
MANHATTAN, KS POTTAWATOMIE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO PRATT 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO RAWLINS 2023 $472,030 $604,400 $730,525 $907,900
HUTCHINSON, KS RENO 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO REPUBLIC 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO RICE 2023 $472,030 $604,400 $730,525 $907,900
MANHATTAN, KS RILEY 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO ROOKS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO RUSH 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO RUSSELL 2023 $472,030 $604,400 $730,525 $907,900
SALINA, KS SALINE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO SCOTT 2023 $472,030 $604,400 $730,525 $907,900
WICHITA, KS SEDGWICK 2023 $472,030 $604,400 $730,525 $907,900
LIBERAL, KS SEWARD 2023 $472,030 $604,400 $730,525 $907,900
TOPEKA, KS SHAWNEE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO SHERIDAN 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO SHERMAN 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO SMITH 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO STAFFORD 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO STANTON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO STEVENS 2023 $472,030 $604,400 $730,525 $907,900
WICHITA, KS SUMNER 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO THOMAS 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO TREGO 2023 $472,030 $604,400 $730,525 $907,900
TOPEKA, KS WABAUNSEE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO WALLACE 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO WASHINGTON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO WICHITA 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO WILSON 2023 $472,030 $604,400 $730,525 $907,900
NON-METRO WOODSON 2023 $472,030 $604,400 $730,525 $907,900
KANSAS CITY, MO-KS WYANDOTTE 2023 $472,030 $604,400 $730,525 $907,900

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).