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

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

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

    The average rate one year ago was 6.04%.

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

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

    Kansas FHA Loan Lenders by Rates & Fees

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

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

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

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

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

    Kansas FHA Loan Limits

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

    FHA Loan Requirements

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