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 6.79% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

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

    The average rate for the prior week (2025-05-16) was 6.62% and one month ago for the week of 2025-04-18, the average rate was 6.75%.

    The average rate one year ago was 7.02%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.18%.

    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).