FHA Loan Requirements, Limits and Approval Tips
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2022 FHA Loan Limits in Kansas

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Loans backed by the Federal Housing Administration (FHA) offer lower down payment requirements and lower minimum credit scores to homebuyers. In 2022, the FHA loan limit for single-family homes in almost every part of Kansas is $420,680. That limit increases to $431,250 in counties in the Kansas City metro area.

Kansas FHA loan limits by county

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ALLEN$420,680$538,650$651,050$809,150$93,000
ANDERSON$420,680$538,650$651,050$809,150$151,000
ATCHISON$420,680$538,650$651,050$809,150$129,000
BARBER$420,680$538,650$651,050$809,150$85,000
BARTON$420,680$538,650$651,050$809,150$109,000
BOURBON$420,680$538,650$651,050$809,150$110,000
BROWN$420,680$538,650$651,050$809,150$81,000
BUTLER$420,680$538,650$651,050$809,150$208,000
CHASE$420,680$538,650$651,050$809,150$149,000
CHAUTAUQUA$420,680$538,650$651,050$809,150$58,000
CHEROKEE$420,680$538,650$651,050$809,150$97,000
CHEYENNE$420,680$538,650$651,050$809,150$92,000
CLARK$420,680$538,650$651,050$809,150$89,000
CLAY$420,680$538,650$651,050$809,150$115,000
CLOUD$420,680$538,650$651,050$809,150$89,000
COFFEY$420,680$538,650$651,050$809,150$139,000
COMANCHE$420,680$538,650$651,050$809,150$82,000
COWLEY$420,680$538,650$651,050$809,150$104,000
CRAWFORD$420,680$538,650$651,050$809,150$122,000
DECATUR$420,680$538,650$651,050$809,150$95,000
DICKINSON$420,680$538,650$651,050$809,150$130,000
DONIPHAN$420,680$538,650$651,050$809,150$179,000
DOUGLAS$420,680$538,650$651,050$809,150$260,000
EDWARDS$420,680$538,650$651,050$809,150$72,000
ELK$420,680$538,650$651,050$809,150$27,000
ELLIS$420,680$538,650$651,050$809,150$204,000
ELLSWORTH$420,680$538,650$651,050$809,150$116,000
FINNEY$420,680$538,650$651,050$809,150$228,000
FORD$420,680$538,650$651,050$809,150$132,000
FRANKLIN$420,680$538,650$651,050$809,150$150,000
GEARY$420,680$538,650$651,050$809,150$259,000
GOVE$420,680$538,650$651,050$809,150$105,000
GRAHAM$420,680$538,650$651,050$809,150$85,000
GRANT$420,680$538,650$651,050$809,150$136,000
GRAY$420,680$538,650$651,050$809,150$164,000
GREELEY$420,680$538,650$651,050$809,150$129,000
GREENWOOD$420,680$538,650$651,050$809,150$78,000
HAMILTON$420,680$538,650$651,050$809,150$125,000
HARPER$420,680$538,650$651,050$809,150$87,000
HARVEY$420,680$538,650$651,050$809,150$208,000
HASKELL$420,680$538,650$651,050$809,150$125,000
HODGEMAN$420,680$538,650$651,050$809,150$99,000
JACKSON$420,680$538,650$651,050$809,150$183,000
JEFFERSON$420,680$538,650$651,050$809,150$183,000
JEWELL$420,680$538,650$651,050$809,150$66,000
JOHNSON$431,250$552,050$667,350$829,350$375,000
KEARNY$420,680$538,650$651,050$809,150$228,000
KINGMAN$420,680$538,650$651,050$809,150$107,000
KIOWA$420,680$538,650$651,050$809,150$132,000
LABETTE$420,680$538,650$651,050$809,150$90,000
LANE$420,680$538,650$651,050$809,150$105,000
LEAVENWORTH$431,250$552,050$667,350$829,350$375,000
LINCOLN$420,680$538,650$651,050$809,150$85,000
LINN$431,250$552,050$667,350$829,350$375,000
LOGAN$420,680$538,650$651,050$809,150$101,000
LYON$420,680$538,650$651,050$809,150$149,000
MARION$420,680$538,650$651,050$809,150$106,000
MARSHALL$420,680$538,650$651,050$809,150$72,000
MCPHERSON$420,680$538,650$651,050$809,150$146,000
MEADE$420,680$538,650$651,050$809,150$113,000
MIAMI$431,250$552,050$667,350$829,350$375,000
MITCHELL$420,680$538,650$651,050$809,150$104,000
MONTGOMERY$420,680$538,650$651,050$809,150$94,000
MORRIS$420,680$538,650$651,050$809,150$121,000
MORTON$420,680$538,650$651,050$809,150$104,000
NEMAHA$420,680$538,650$651,050$809,150$153,000
NEOSHO$420,680$538,650$651,050$809,150$96,000
NESS$420,680$538,650$651,050$809,150$89,000
NORTON$420,680$538,650$651,050$809,150$213,000
OSAGE$420,680$538,650$651,050$809,150$183,000
OSBORNE$420,680$538,650$651,050$809,150$81,000
OTTAWA$420,680$538,650$651,050$809,150$160,000
PAWNEE$420,680$538,650$651,050$809,150$97,000
PHILLIPS$420,680$538,650$651,050$809,150$93,000
POTTAWATOMIE$420,680$538,650$651,050$809,150$259,000
PRATT$420,680$538,650$651,050$809,150$108,000
RAWLINS$420,680$538,650$651,050$809,150$119,000
RENO$420,680$538,650$651,050$809,150$124,000
REPUBLIC$420,680$538,650$651,050$809,150$77,000
RICE$420,680$538,650$651,050$809,150$88,000
RILEY$420,680$538,650$651,050$809,150$259,000
ROOKS$420,680$538,650$651,050$809,150$92,000
RUSH$420,680$538,650$651,050$809,150$83,000
RUSSELL$420,680$538,650$651,050$809,150$109,000
SALINE$420,680$538,650$651,050$809,150$160,000
SCOTT$420,680$538,650$651,050$809,150$249,000
SEDGWICK$420,680$538,650$651,050$809,150$208,000
SEWARD$420,680$538,650$651,050$809,150$123,000
SHAWNEE$420,680$538,650$651,050$809,150$183,000
SHERIDAN$420,680$538,650$651,050$809,150$133,000
SHERMAN$420,680$538,650$651,050$809,150$130,000
SMITH$420,680$538,650$651,050$809,150$108,000
STAFFORD$420,680$538,650$651,050$809,150$77,000
STANTON$420,680$538,650$651,050$809,150$107,000
STEVENS$420,680$538,650$651,050$809,150$134,000
SUMNER$420,680$538,650$651,050$809,150$208,000
THOMAS$420,680$538,650$651,050$809,150$155,000
TREGO$420,680$538,650$651,050$809,150$212,000
WABAUNSEE$420,680$538,650$651,050$809,150$183,000
WALLACE$420,680$538,650$651,050$809,150$105,000
WASHINGTON$420,680$538,650$651,050$809,150$95,000
WICHITA$420,680$538,650$651,050$809,150$103,000
WILSON$420,680$538,650$651,050$809,150$86,000
WOODSON$420,680$538,650$651,050$809,150$86,000
WYANDOTTE$431,250$552,050$667,350$829,350$375,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) determines the FHA loan limits for conventional loans, or conforming loan limits. In 2022, the conforming loan limit is $647,200, which is 18% higher than the 2021 conforming loan limit.

The “floor,” or the biggest mortgage the FHA will issue in much of the country, is set at 65% of the conforming loan limit; in 2022, this works out to $420,680 for a single-family home. The “ceiling,” which applies only in high-cost areas, is 150% of the conforming loan limit; that’s $970,800 in 2022.

How to qualify for an FHA loan in Kansas

If this is the first time you’re buying a home, you could qualify for Kansas’s first-time homebuyers program.

Whether you’re a first-time or repeat homebuyer, you’ll need to meet the FHA loan requirements:

Minimum 3.5% down payment. This is available to those with a credit score of 580 or higher; those with lower scores will have to put down more. 

Minimum 500 credit score. You’ll need to make a 10% down payment if your score is between 500 and 579.

Debt-to-income (DTI) ratio of 43% or less. The DTI ratio is your total monthly debt spending compared to how much you earn. This percentage is common among mortgage lenders.
Staying under the mortgage limit. You can’t borrow more than the FHA loan limit in your area. If you want to buy a more expensive house, then you’d need to make up the difference with a larger down payment.

FHA home appraisal. If you want an FHA loan, you’ll need an FHA appraisal to confirm the property’s value.

Mortgage insurance. You need to pay for two kinds: the annual mortgage insurance premium (MIP) which ranges from 0.45% to 1.05% of the loan; and the upfront mortgage insurance premium (UFMIP), which costs 1.75% of the mortgage amount. Generally, both kinds of insurance are financed into the loan.

Occupancy. If you purchase a home with an FHA loan, the home you buy must be your primary residence for at least a year.

Buying a multifamily property with an FHA loan

You can also use an FHA loan to purchase a multifamily home with up to four units, as long as you live in one unit for at least a year after purchase. This lets you buy an investment property without applying for an investment property mortgage. The same FHA loan requirements for single-family homes apply to multifamily ones.

FHA lenders in Kansas

Here are seven highly rated mortgage lenders in Kansas.

Lender nameLT ratingMinimum FHA credit score
BMO Harris Bank8.5/10580
Truist 9/10620
Guild Mortgage9/10540
Lower9/10580
Pennymac9/10620
Rocket Mortgage9.5/10580
Veterans United10/10620

 

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