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 6.44% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

Kansas's average FHA mortgage closing costs are $6,434.

The average rate for the prior week (2025-03-28) was 6.74% and one month ago for the week of 2025-02-28, the average rate was 6.52%.

The average rate one year ago was 6.94%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.12%.

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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 627 6.36% $9,233
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 371 6.63% $8,135
FLAT BRANCH MORTGAGE, INC. 317 6.73% $7,251
UNITED WHOLESALE MORTGAGE, LLC 267 6.19% $10,523
FREEDOM MORTGAGE CORPORATION 192 6.42% $10,674
PENNYMAC LOAN SERVICES, LLC 190 6.13% $8,586
Members Mortgage Services, L.L.C. 132 6.49% $6,680
LOANDEPOT.COM, LLC 130 6.57% $9,350
Sierra Pacific Mortgage Company, Inc. 122 6.49% $9,211
GUILD MORTGAGE COMPANY 121 6.76% $8,276
NBH Bank 112 6.34% $4,939
PLANET HOME LENDING, LLC 93 6.50% $7,485
LEADERONE FINANCIAL CORPORATION 84 6.70% $10,062
BROKER SOLUTIONS, INC. 82 6.96% $9,687
Equity Prime Mortgage LLC 76 7.03% $10,055
COMMUNITYAMERICA 72 6.39% $8,903
Mortgage Investment Services Corporation 71 6.69% $5,309
NEWREZ LLC 71 6.45% $9,522
MID AMERICA MORTGAGE, INC. 70 6.76% $5,930
Flagstar Bank, FSB 69 6.38% $7,417
ARK-LA-TEX FINANCIAL SERVICES, LLC. 68 6.62% $7,707
PRIMELENDING, A PLAINSCAPITAL COMPANY 67 6.87% $8,488
Gateway First Bank 66 6.71% $7,315
CROSSCOUNTRY MORTGAGE, LLC 65 6.35% $10,753
Fidelity Bank 64 6.61% $6,314
First State Bank of St. Charles, Missouri 56 6.27% $8,645
Regent Financial Group, Inc. 53 6.64% $8,671
Mr. Cooper ( Nationstar Mortgage ) 50 6.48% $11,709
Landmark National Bank 49 6.51% $6,488
Sunflower Bank 48 6.11% $8,520
PRIMARY RESIDENTIAL MORTGAGE, INC. 48 7.17% $7,882
CMG MORTGAGE, INC. 46 6.16% $9,478
MUTUAL OF OMAHA MORTGAGE, INC. 45 6.60% $12,411
LAKEVIEW LOAN SERVICING, LLC 45 6.40% $9,200
Prosperity Home Mortgage, LLC 44 6.24% $9,927
AMERICAN FINANCIAL NETWORK, INC. 42 7.05% $8,308
American Mortgage Bank, LLC 39 6.61% $7,815
AMERISAVE MORTGAGE CORPORATION 38 6.14% $11,739
OPEN MORTGAGE, LLC 37 6.79% $7,782
ENDEAVOR CAPITAL, LLC. 37 6.10% $7,667
JLB CORPORATION 36 6.15% $10,765
Arvest Bank 35 6.48% $7,155
HOMESIDE FINANCIAL, LLC 32 6.48% $9,753
Plains Commerce Bank 31 6.94% $7,909
GUARANTEED RATE, INC. 29 6.42% $7,731
Carrington Mortgage Services, LLC 28 6.33% $10,826
Mortgage Research Center, LLC 28 6.91% $5,914
BOKF 27 6.56% $8,751
Paramount Residential Mortgage Group, Inc. 27 6.42% $8,893
VILLAGE CAPITAL MORTGAGE 26 6.37% $7,776
US MORTGAGE CORPORATION 25 6.65% $10,790
NBKC BANK 25 6.12% $8,220
UNION HOME MORTGAGE CORP. 24 6.60% $9,349
AMERICAN FINANCING CORPORATION 24 5.84% $11,153
Bell Bank 23 6.45% $8,233
U.S. Bank 20 6.73% $6,898
PENTAGON FEDERAL CREDIT UNION 20 5.76% $10,718
ZILLOW HOME LOANS, LLC 18 6.39% $10,389
The Central Trust Bank 18 6.26% $9,463
UMB Bank 17 6.23% $7,622
LOANPAL, LLC 17 5.51% $11,922
SUN WEST MORTGAGE COMPANY, INC. 17 6.32% $9,335
First Bank 15 6.27% $9,260
American Mortgage & Equity Consultants, Inc. 14 6.86% $9,402
COMMUNITY MORTGAGE, LLC 14 5.84% $9,163
BAYSHORE MORTGAGE FUNDING, LLC 14 6.67% $8,766
AMERICAN FINANCIAL RESOURCES, INC. 14 6.56% $9,295
Stride Bank 13 6.54% $8,605
PANORAMA MORTGAGE GROUP, LLC 12 6.98% $10,271
MOVEMENT MORTGAGE, LLC 12 6.64% $8,799
HALLMARK HOME MORTGAGE, LLC 12 7.18% $9,083
CARDINAL FINANCIAL 12 6.66% $9,578
First Federal Bank 12 6.48% $10,544
MORTGAGE SOLUTIONS OF COLORADO, LLC 11 6.58% $11,500
Commerce Bank 11 7.08% $5,464
Midwest Mortgage Associates Corporation 10 6.51% $7,486
T2 FINANCIAL LLC 9 6.58% $11,791
Equity Bank 9 6.20% $7,555
EVERETT FINANCIAL, INC. 9 6.96% $6,874
FIRST COMMUNITY MORTGAGE, INC. 9 6.86% $6,680
SUMMIT FUNDING, INC. 9 6.86% $10,200
The Federal Savings Bank 9 6.60% $12,487
RCB Bank 8 6.38% $5,550
ROYAL UNITED MORTGAGE LLC 8 6.64% $11,509
Waterstone Mortgage Corporation 8 6.75% $11,299
Armed Forces Bank 8 6.56% $7,557
PLAZA HOME MORTGAGE, INC. 8 6.45% $12,274
First National Bank of Omaha 7 6.61% $8,201
Century Mortgage Company DBA Century Lending Company 7 6.27% $8,948
BAY EQUITY LLC 7 6.93% $8,444
Bank of America 7 6.29% $5,551
JPMorgan Chase Bank 6 6.67% $5,775
TOP FLITE FINANCIAL, INC. 6 7.00% $13,527
GENEVA FINANCIAL, LLC 6 6.50% $9,427
ENVOY MORTGAGE, LTD 6 6.71% $10,035
MEGASTAR FINANCIAL CORP. 6 7.00% $10,605
Barrington Bank & Trust Company, N.A. 6 6.71% $7,217
BETTER MORTGAGE CORPORATION 5 5.78% $8,680
Academy Bank 5 6.38% $8,439
TJC Mortgage, Inc. 5 6.73% $7,878
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 6.25% $12,741
VANDERBILT MORTGAGE AND FINANCE, INC. 5 6.53% $10,579
The Loan Store, Inc. 5 5.93% $12,256
CHURCHILL MORTGAGE CORPORATION 5 7.17% $6,892
GERSHMAN INVESTMENT CORP. 5 6.78% $6,107
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 6.47% $8,081
Central National Bank 4 6.44% $5,385
LIBERTY HOME MORTGAGE CORPORATION 4 6.22% $11,490
S1L, Inc. 4 6.78% $9,280
TOWNE MORTGAGE COMPANY 4 6.44% $6,129
Lakeview Community Capital, LLC 4 6.22% $6,455
DAS Acquisition Company, LLC 4 7.16% $8,632
BMO Harris Bank 4 6.53% $5,162
Nations Lending Corporation 4 6.81% $12,271
Wells Fargo Bank 4 6.53% $7,832
CREDIT UNION OF AMERICA 4 5.91% $5,716
NEW DAY FINANCIAL, LLC 4 7.43% $5,621
Mazuma Credit Union 4 6.63% $7,667
SUCCESS MORTGAGE PARTNERS, INC. 3 6.92% $11,043
CANOPY MORTGAGE, LLC 3 6.62% $8,405
TruHome Solutions, LLC 3 6.46% $5,414
Flanagan State Bank 3 6.58% $16,951
M&T Bank 3 7.04% $8,514
AmeriHome Mortgage Company, LLC 3 6.25% $8,510
AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.25% $10,214
Oakstar Bank 3 5.66% $14,583
Chickasaw Community Bank 3 6.00% $8,814
PHH Mortgage Corporation 3 6.71% $11,118
GSF Mortgage Corporation 2 7.13% $11,142
SIRVA MORTGAGE, INC. 2 6.56% $4,145
Willamette Valley Bank 2 6.50% $11,617
Bank of England 2 6.38% $13,317
OCMBC, INC. 2 7.25% $9,587
Old National Bank 2 5.94% $6,011
CHARTER WEST BANK 2 6.38% $5,530
CASTLE & COOKE MORTGAGE, LLC 2 6.25% $14,697
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 6.88% $13,555
PREMIA MORTGAGE, LLC 2 6.00% $7,042
SeaTrust Mortgage Company 2 7.19% $8,416
Regions Bank 2 6.19% $7,209
RUOFF MORTGAGE COMPANY, INC. 2 5.50% $8,372
Capital Bank 1 7.88% $11,134
GUARANTEED RATE AFFINITY, LLC 1 6.75% $4,560
Intrust Bank 1 5.88% $3,536
KINECTA 1 6.00% $7,178
Great Southern Bank 1 6.25% $5,908
Magnolia Bank 1 6.63% $5,603
First United Bank and Trust Company 1 6.25% $12,533
Mid-Continent Funding, Inc. 1 6.25% $11,072
Firstar Bank 1 6.13% $6,167
MORTGAGE ACCESS CORP. 1 6.25% $10,110
Financial Funding Solutions, Inc. 1 6.63% $3,225
Encompass Lending Group, LP 1 6.25% $18,850
DHI MORTGAGE COMPANY, LTD. 1 4.99% $8,858
DELMAR FINANCIAL COMPANY 1 5.63% $4,943
COMMUNICATION 1 6.88% $5,528
Citizens Bank 1 6.38% $9,784
North American Savings Bank, F.S.B. 1 6.63% $8,234
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.50% $9,077
Presidential Bank, FSB 1 6.63% $10,936
CALCON MUTUAL MORTGAGE LLC 1 6.99% $11,788
Boeing Employees Credit Union 1 5.88% $10,816
Simmons Bank 1 5.75% $11,754
STAUNTON FINANCIAL, INC. 1 6.75% $6,354
AXIA FINANCIAL, LLC 1 6.75% $14,417
American Bank of Oklahoma 1 6.63% $6,175
TIB The Independent Bankersbank 1 6.75% $10,936
Truist 1 6.25% $4,615
AmRes Corporation 1 6.13% $5,523
United Community Bank 1 6.75% $7,367
American National Bank & Trust 1 6.25% $8,760
Hawthorn Bank 1 6.00% $8,126
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.49% $9,589

The top Kansas FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 627 FHA loans originated. Their average total fees are $9,233, which is $1,098 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee Kansas FHA lenders (with over 10 loans originated) are NBH Bank ($4,939), Mortgage Investment Services Corporation ($5,309), Commerce Bank ($5,464), Mortgage Research Center, LLC ($5,914) and MID AMERICA MORTGAGE, INC. ($5,930).

The lowest rate Kansas FHA lenders (with over 10 loans originated) are LOANPAL, LLC (5.51%), PENTAGON FEDERAL CREDIT UNION (5.76%), COMMUNITY MORTGAGE, LLC (5.84%), AMERICAN FINANCING CORPORATION (5.84%) and ENDEAVOR CAPITAL, LLC. (6.10%).

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).