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 6.81% for the week of 2024-06-14, compared to the national average (all FHA variants) of 6.712% for the same period.

Kansas's average FHA mortgage closing costs are $6,134.

The average rate for the prior week (2024-06-07) was 6.8% and one month ago for the week of 2024-05-10, the average rate was 6.79%.

The average rate one year ago was 6.64%.

For refis of the same type during the week of 2024-06-14, the average rate was 6.5%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 661 6.39% $9,017
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 317 6.78% $8,164
FLAT BRANCH MORTGAGE, INC. 301 6.86% $7,382
LOANDEPOT.COM, LLC 174 6.64% $8,647
UNITED WHOLESALE MORTGAGE, LLC 152 6.52% $9,672
Sierra Pacific Mortgage Company, Inc. 119 6.70% $8,345
NBH Bank 108 6.36% $4,495
OPEN MORTGAGE, LLC 107 6.81% $7,932
LEADERONE FINANCIAL CORPORATION 104 6.85% $9,809
PENNYMAC LOAN SERVICES, LLC 96 6.35% $9,742
FREEDOM MORTGAGE CORPORATION 89 6.95% $11,449
Flagstar Bank, FSB 82 6.50% $7,355
Fidelity Bank 79 6.63% $6,183
PRIMELENDING, A PLAINSCAPITAL COMPANY 77 7.00% $8,949
NEWREZ LLC 70 6.66% $8,628
Mortgage Investment Services Corporation 67 6.94% $5,215
Sunflower Bank 66 6.26% $7,111
Neighborhood Loans, Inc. 66 6.84% $9,343
PRIMARY RESIDENTIAL MORTGAGE, INC. 65 7.13% $8,223
BROKER SOLUTIONS, INC. 65 6.73% $9,351
Plains Commerce Bank 65 6.71% $9,132
Gateway First Bank 62 6.89% $6,027
Mr. Cooper ( Nationstar Mortgage ) 60 6.25% $12,496
PLANET HOME LENDING, LLC 59 6.72% $8,131
COMMUNITYAMERICA 58 6.53% $8,366
ACADEMY MORTGAGE CORPORATION 56 7.04% $8,118
First State Bank of St. Charles, Missouri 55 6.61% $8,705
AMERISAVE MORTGAGE CORPORATION 54 6.11% $11,562
Landmark National Bank 54 6.69% $5,794
Mortgage Research Center, LLC 53 6.95% $5,266
ARK-LA-TEX FINANCIAL SERVICES, LLC. 52 6.75% $7,409
Paramount Residential Mortgage Group, Inc. 49 6.70% $9,333
CROSSCOUNTRY MORTGAGE, LLC 46 6.69% $10,655
AMERICAN FINANCIAL NETWORK, INC. 45 7.29% $7,416
ENDEAVOR CAPITAL, LLC. 45 6.52% $8,558
GUARANTEED RATE, INC. 44 6.66% $8,518
MID AMERICA MORTGAGE, INC. 42 6.80% $3,654
US MORTGAGE CORPORATION 40 6.66% $9,675
Equity Prime Mortgage LLC 40 7.17% $8,048
Regent Financial Group, Inc. 40 6.75% $8,100
MUTUAL OF OMAHA MORTGAGE, INC. 36 6.72% $12,643
BOKF 34 6.61% $9,109
DAS Acquisition Company, LLC 32 7.00% $10,006
GUILD MORTGAGE COMPANY 31 6.60% $9,090
Prosperity Home Mortgage, LLC 29 6.42% $9,408
Members Mortgage Services, L.L.C. 28 6.76% $5,886
Carrington Mortgage Services, LLC 28 6.21% $10,763
SUN WEST MORTGAGE COMPANY, INC. 27 6.86% $8,042
PENTAGON FEDERAL CREDIT UNION 26 5.94% $7,738
CMG MORTGAGE, INC. 25 6.23% $8,338
THRIVE MORTGAGE, LLC 24 6.58% $9,216
CREDIT UNION OF AMERICA 23 6.52% $6,062
JLB CORPORATION 22 6.43% $11,347
Arvest Bank 21 6.48% $7,851
United Fidelity Funding Corp. 21 6.94% $8,076
First Bank 21 6.60% $9,121
Bell Bank 20 6.85% $9,206
Commerce Bank 19 6.88% $5,571
U.S. Bank 19 6.89% $5,926
ZILLOW HOME LOANS, LLC 18 6.55% $9,644
Central National Bank 18 6.83% $4,241
LAKEVIEW LOAN SERVICING, LLC 18 6.13% $10,520
The Central Trust Bank 18 6.52% $8,059
NBKC BANK 17 6.63% $7,097
UMB Bank 17 6.46% $6,792
CARDINAL FINANCIAL 17 6.32% $9,766
MOVEMENT MORTGAGE, LLC 17 6.93% $9,128
COMMUNITY MORTGAGE, LLC 16 6.55% $8,020
UNION HOME MORTGAGE CORP. 15 6.45% $10,141
SUMMIT FUNDING, INC. 15 6.88% $8,894
Waterstone Mortgage Corporation 15 6.82% $10,029
BAYSHORE MORTGAGE FUNDING, LLC 15 6.92% $10,878
FIRST COMMUNITY MORTGAGE, INC. 14 6.81% $9,675
First National Bank of Omaha 13 6.74% $7,269
Wells Fargo Bank 12 6.73% $7,577
Equity Bank 12 6.60% $6,311
MORTGAGE SOLUTIONS OF COLORADO, LLC 10 6.78% $12,065
LOANPAL, LLC 10 6.19% $12,707
HALLMARK HOME MORTGAGE, LLC 9 7.11% $12,088
BAY EQUITY LLC 9 6.50% $11,801
Barrington Bank & Trust Company, N.A. 9 6.58% $8,116
Bank of England 9 6.47% $10,069
AMERICAN FINANCING CORPORATION 9 6.18% $9,169
HOMESIDE FINANCIAL, LLC 9 6.53% $8,683
American Mortgage & Equity Consultants, Inc. 8 6.44% $12,026
EVERETT FINANCIAL, INC. 8 6.97% $8,858
Academy Bank 8 6.44% $7,819
SUCCESS MORTGAGE PARTNERS, INC. 8 6.98% $7,574
ROYAL UNITED MORTGAGE LLC 8 7.03% $8,035
Mazuma Credit Union 8 6.28% $8,718
PANORAMA MORTGAGE GROUP, LLC 8 7.17% $12,361
AMERICAN FINANCIAL RESOURCES, INC. 7 7.16% $8,498
M&T Bank 7 6.46% $6,535
CHURCHILL MORTGAGE CORPORATION 7 6.91% $9,994
The Federal Savings Bank 7 7.00% $13,297
CALIBER HOME LOANS, INC. 7 6.04% $7,682
Armed Forces Bank 7 6.32% $8,237
LIBERTY HOME MORTGAGE CORPORATION 6 6.90% $13,983
MEGASTAR FINANCIAL CORP. 6 7.06% $7,584
First Federal Bank 6 7.15% $9,923
Community First National Bank 6 6.27% $10,091
Bank of America 6 6.04% $6,998
PLAZA HOME MORTGAGE, INC. 6 6.54% $8,956
AmeriHome Mortgage Company, LLC 6 6.31% $9,016
Midwest Mortgage Associates Corporation 5 6.88% $5,119
CORNERSTONE HOME LENDING, INC. 5 7.10% $10,108
VANDERBILT MORTGAGE AND FINANCE, INC. 5 6.33% $15,044
North American Savings Bank, F.S.B. 5 6.60% $6,980
AMERICAN PACIFIC MORTGAGE CORPORATION 4 7.03% $6,690
Flanagan State Bank 4 7.16% $8,168
OCMBC, INC. 4 7.19% $13,843
Regions Bank 4 5.81% $7,670
RED DIAMOND HOME LOANS, LLC 4 6.91% $6,204
JPMorgan Chase Bank 4 7.06% $6,120
BMO Harris Bank 4 6.97% $7,553
Chickasaw Community Bank 4 6.81% $7,288
First Federal Bank of Kansas City 4 6.84% $6,377
Oakstar Bank 4 6.65% $6,197
S1L, Inc. 4 6.94% $13,168
DELMAR FINANCIAL COMPANY 4 7.03% $8,108
Financial Funding Solutions, Inc. 3 7.21% $3,926
FIRST INTEGRITY MORTGAGE SERVICES, INC. 3 7.33% $7,139
First Savings Bank 3 6.25% $7,432
DRAPER AND KRAMER MORTGAGE CORP. 3 6.83% $10,231
Hawthorn Bank 3 7.08% $8,102
Intrust Bank 3 6.46% $5,920
Century Mortgage Company DBA Century Lending Company 3 6.29% $8,766
NFM, INC. 3 7.42% $8,315
SENTE MORTGAGE, INC. 3 7.04% $12,321
Stride Bank 3 6.54% $8,264
TOP FLITE FINANCIAL, INC. 3 6.92% $12,237
TOWNE MORTGAGE COMPANY 3 7.21% $9,160
AMCAP MORTGAGE, LTD. 3 7.17% $10,943
VILLAGE CAPITAL MORTGAGE 3 6.29% $9,440
RESIDENTIAL BANCORP 2 6.44% $16,678
T2 FINANCIAL LLC 2 7.13% $16,779
KANSAS STATE UNIVERSITY Federal Credit Union 2 6.69% $6,069
RUOFF MORTGAGE COMPANY, INC. 2 6.06% $4,525
OCEANSIDE MORTGAGE COMPANY 2 6.50% $5,635
American Mortgage Bank, LLC 2 7.19% $9,827
LENOX FINANCIAL MORTGAGE CORPORATION 2 6.50% $7,358
Citizens Bank 2 6.69% $7,246
First Community Bank 2 7.06% $10,230
TruHome Solutions, LLC 2 7.44% $5,737
Truist 2 5.75% $7,597
Servion, Inc. 2 6.50% $6,822
FirstTrust Home Loans, Inc. 2 6.88% $7,561
Enterprise Bank & Trust 2 6.88% $7,605
RCB Bank 2 6.75% $4,510
Simmons Bank 2 6.75% $7,537
Northpointe Bank 2 6.69% $8,189
NATIONS RELIABLE LENDING, LLC 2 7.38% $11,063
ENVOY MORTGAGE, LTD 2 6.38% $7,562
Nations Lending Corporation 2 6.38% $9,735
Old National Bank 2 5.19% $8,579
PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.00% $9,961
NEW DAY FINANCIAL, LLC 2 7.00% $5,988
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.62% $12,858
VAN DYK MORTGAGE CORPORATION 1 6.88% $14,139
GSF Mortgage Corporation 1 6.13% $5,414
SIRVA MORTGAGE, INC. 1 7.63% $4,789
Great Southern Bank 1 6.63% $7,884
Goldwater Bank, N.A. 1 7.75% $9,696
GERSHMAN INVESTMENT CORP. 1 7.00% $5,158
EMBRACE HOME LOANS, INC. 1 6.99% $7,814
Encompass Lending Group, LP 1 6.75% $9,554
The Loan Store, Inc. 1 6.88% $20,059
TJC Mortgage, Inc. 1 5.88% $11,561
First International Bank & Trust 1 6.00% $10,738
First United Bank and Trust Company 1 6.50% $7,258
First Palmetto Bank 1 6.13% $9,359
FIRST COLONY MORTGAGE CORPORATION 1 7.13% $10,711
Adams Bank & Trust 1 7.75% $5,734
BM Real Estate Services, Inc. 1 7.13% $7,239
MYCUMORTGAGE, LLC 1 7.13% $11,032
NETWORK CAPITAL FUNDING CORPORATION 1 5.25% $12,259
First National Bank Texas 1 5.63% $10,517
BETTER MORTGAGE CORPORATION 1 7.13% $6,005
BNC National Bank 1 6.00% $8,316
CANOPY MORTGAGE, LLC 1 6.25% $12,838
MORTGAGE ACCESS CORP. 1 7.63% $6,801
BECKAM FUNDING CORP. 1 7.13% $11,748
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.75% $8,088
MORIA DEVELOPMENT, INC. 1 7.50% $7,407
MLD MORTGAGE INC. 1 7.25% $7,303
PHH Mortgage Corporation 1 5.99% $19,143
PINNACLE LENDING GROUP, INC. 1 6.13% $20,073
Bank of the West 1 6.75% $5,518
Colonial Savings, F.A. 1 7.13% $9,760
Willamette Valley Bank 1 6.25% $13,668
PNC Bank 1 7.00% $7,236
PREMIA MORTGAGE, LLC 1 5.88% $4,896
Armstrong Bank 1 5.75% $9,862
Ixonia Bank 1 7.13% $10,490
AmRes Corporation 1 7.50% $9,037
HOMEXPRESS MORTGAGE CORP. 1 6.75% $20,989
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.13% $11,992
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.13% $13,421
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $10,589
GUARANTY HOME MORTGAGE CORPORATION 1 6.75% $14,756
SECURITYNATIONAL MORTGAGE COMPANY 1 5.75% $13,451

The top Kansas FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 661 FHA loans originated. Their average total fees are $9,017, which is $853 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee Kansas FHA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($3,654), Central National Bank ($4,241), NBH Bank ($4,495), Mortgage Investment Services Corporation ($5,215) and Mortgage Research Center, LLC ($5,266).

The lowest rate Kansas FHA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION (5.94%), AMERISAVE MORTGAGE CORPORATION (6.11%), LAKEVIEW LOAN SERVICING, LLC (6.13%), LOANPAL, LLC (6.19%) and Carrington Mortgage Services, LLC (6.21%).

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).