Kansas FHA Loan Rates, Closing Costs & Stats

Kansas

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    • 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 -0.1% for the week of 2024-11-15, compared to the national average (all FHA variants) of 0% for the same period.

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

    The average rate for the prior week (2024-11-08) was 6.21% and one month ago for the week of 2024-10-11, the average rate was 6.11%.

    The average rate one year ago was 7.46%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.01%.

    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).