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Kansas FHA Home Loans

FHA Mortgage Loan Programs in Kansas
FHA Loan Requirements - 2022 FHA Loan Limits

Kansas FHA Loan | Requirements | 2022 FHA Loan Limits

FHA loans provide a great opportunity to buy a home in Kansas.  The FHA (Federal Housing Administration) was created to help the average American have a chance at owning their own home.  One of the reasons that FHA loans are so popular is because of the low down payment option.  FHA loans allow you to purchase a home with only a 3.5% down payment.  There are also less strict requirements to get an FHA loan (compared to conventional loans), such as being able to qualify with a credit score as low as 500.

Kansas FHA Loan Requirements

Below are some of the basic requirements to get an FHA loan in Kansas.  If you would like to find out if you are eligible for an FHA loan, we can help match you with a lender.  To have an FHA lender contact you, request a free consultation.

  • Credit Score – To qualify for the 3.5% down payment, you must have a 580 credit score or higher. If your credit score is between a 500-579, you still may qualify for an FHA loan, but will be required to put 10% down.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistent employment/income.
  • Financial Statements – You should expect to be required to provide your 2 most recent bank statements, pay stubs, and tax returns.
  • Debt-to-Income – You can not have a debt-to-income ratio higher than 43%.  However, if you have “compensating factors” you might be able to get approved with higher debt levels (a compensating factor could be more money in savings, longer job history, or great credit).
  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. FHA loans are not available to purchase an investment property, second home, or vacation home.
  • Mortgage Insurance – All FHA loans, regardless of the lender, require two types of mortgage insurance.  This includes the UPMIP (Upfront Mortgage Insurance Premium) and the regular MIP (Mortgage Insurance Premium).  FHA MIP acts similarly to how PMI (Private Mortgage Insurance) on a conventional loan acts.  You can use this FHA loan calculator to estimate your monthly payment and mortgage insurance costs.
  • FHA Loan Limits – FHA loans have maximum lending limits, which are set at the county level. You can view the 2022 FHA loan limits for all counties in Kansas below.

Would you like to see if you qualify for an FHA loan?  We can help match you with a mortgage lender that offers FHA loans in Kansas.  To have an FHA lender contact you, request a free consultation.

2022 Kansas FHA Loan Limits

Below are the 2022 FHA loan limits for every county in Kansas:

 

County Single Family 2 Family 3 Family 4 Family
ALLEN $420,680 $538,650 $651,050 $809,150
ANDERSON $420,680 $538,650 $651,050 $809,150
ATCHISON $420,680 $538,650 $651,050 $809,150
BARBER $420,680 $538,650 $651,050 $809,150
BARTON $420,680 $538,650 $651,050 $809,150
BOURBON $420,680 $538,650 $651,050 $809,150
BROWN $420,680 $538,650 $651,050 $809,150
BUTLER $420,680 $538,650 $651,050 $809,150
CHASE $420,680 $538,650 $651,050 $809,150
CHAUTAUQUA $420,680 $538,650 $651,050 $809,150
CHEROKEE $420,680 $538,650 $651,050 $809,150
CHEYENNE $420,680 $538,650 $651,050 $809,150
CLARK $420,680 $538,650 $651,050 $809,150
CLAY $420,680 $538,650 $651,050 $809,150
CLOUD $420,680 $538,650 $651,050 $809,150
COFFEY $420,680 $538,650 $651,050 $809,150
COMANCHE $420,680 $538,650 $651,050 $809,150
COWLEY $420,680 $538,650 $651,050 $809,150
CRAWFORD $420,680 $538,650 $651,050 $809,150
DECATUR $420,680 $538,650 $651,050 $809,150
DICKINSON $420,680 $538,650 $651,050 $809,150
DONIPHAN $420,680 $538,650 $651,050 $809,150
DOUGLAS $420,680 $538,650 $651,050 $809,150
EDWARDS $420,680 $538,650 $651,050 $809,150
ELK $420,680 $538,650 $651,050 $809,150
ELLIS $420,680 $538,650 $651,050 $809,150
ELLSWORTH $420,680 $538,650 $651,050 $809,150
FINNEY $420,680 $538,650 $651,050 $809,150
FORD $420,680 $538,650 $651,050 $809,150
FRANKLIN $420,680 $538,650 $651,050 $809,150
GEARY $420,680 $538,650 $651,050 $809,150
GOVE $420,680 $538,650 $651,050 $809,150
GRAHAM $420,680 $538,650 $651,050 $809,150
GRANT $420,680 $538,650 $651,050 $809,150
GRAY $420,680 $538,650 $651,050 $809,150
GREELEY $420,680 $538,650 $651,050 $809,150
GREENWOOD $420,680 $538,650 $651,050 $809,150
HAMILTON $420,680 $538,650 $651,050 $809,150
HARPER $420,680 $538,650 $651,050 $809,150
HARVEY $420,680 $538,650 $651,050 $809,150
HASKELL $420,680 $538,650 $651,050 $809,150
HODGEMAN $420,680 $538,650 $651,050 $809,150
JACKSON $420,680 $538,650 $651,050 $809,150
JEFFERSON $420,680 $538,650 $651,050 $809,150
JEWELL $420,680 $538,650 $651,050 $809,150
JOHNSON $431,250 $552,050 $667,350 $829,350
KEARNY $420,680 $538,650 $651,050 $809,150
KINGMAN $420,680 $538,650 $651,050 $809,150
KIOWA $420,680 $538,650 $651,050 $809,150
LABETTE $420,680 $538,650 $651,050 $809,150
LANE $420,680 $538,650 $651,050 $809,150
LEAVENWORTH $431,250 $552,050 $667,350 $829,350
LINCOLN $420,680 $538,650 $651,050 $809,150
LINN $431,250 $552,050 $667,350 $829,350
LOGAN $420,680 $538,650 $651,050 $809,150
LYON $420,680 $538,650 $651,050 $809,150
MCPHERSON $420,680 $538,650 $651,050 $809,150
MARION $420,680 $538,650 $651,050 $809,150
MARSHALL $420,680 $538,650 $651,050 $809,150
MEADE $420,680 $538,650 $651,050 $809,150
MIAMI $431,250 $552,050 $667,350 $829,350
MITCHELL $420,680 $538,650 $651,050 $809,150
MONTGOMERY $420,680 $538,650 $651,050 $809,150
MORRIS $420,680 $538,650 $651,050 $809,150
MORTON $420,680 $538,650 $651,050 $809,150
NEMAHA $420,680 $538,650 $651,050 $809,150
NEOSHO $420,680 $538,650 $651,050 $809,150
NESS $420,680 $538,650 $651,050 $809,150
NORTON $420,680 $538,650 $651,050 $809,150
OSAGE $420,680 $538,650 $651,050 $809,150
OSBORNE $420,680 $538,650 $651,050 $809,150
OTTAWA $420,680 $538,650 $651,050 $809,150
PAWNEE $420,680 $538,650 $651,050 $809,150
PHILLIPS $420,680 $538,650 $651,050 $809,150
POTTAWATOMIE $420,680 $538,650 $651,050 $809,150
PRATT $420,680 $538,650 $651,050 $809,150
RAWLINS $420,680 $538,650 $651,050 $809,150
RENO $420,680 $538,650 $651,050 $809,150
REPUBLIC $420,680 $538,650 $651,050 $809,150
RICE $420,680 $538,650 $651,050 $809,150
RILEY $420,680 $538,650 $651,050 $809,150
ROOKS $420,680 $538,650 $651,050 $809,150
RUSH $420,680 $538,650 $651,050 $809,150
RUSSELL $420,680 $538,650 $651,050 $809,150
SALINE $420,680 $538,650 $651,050 $809,150
SCOTT $420,680 $538,650 $651,050 $809,150
SEDGWICK $420,680 $538,650 $651,050 $809,150
SEWARD $420,680 $538,650 $651,050 $809,150
SHAWNEE $420,680 $538,650 $651,050 $809,150
SHERIDAN $420,680 $538,650 $651,050 $809,150
SHERMAN $420,680 $538,650 $651,050 $809,150
SMITH $420,680 $538,650 $651,050 $809,150
STAFFORD $420,680 $538,650 $651,050 $809,150
STANTON $420,680 $538,650 $651,050 $809,150
STEVENS $420,680 $538,650 $651,050 $809,150
SUMNER $420,680 $538,650 $651,050 $809,150
THOMAS $420,680 $538,650 $651,050 $809,150
TREGO $420,680 $538,650 $651,050 $809,150
WABAUNSEE $420,680 $538,650 $651,050 $809,150
WALLACE $420,680 $538,650 $651,050 $809,150
WASHINGTON $420,680 $538,650 $651,050 $809,150
WICHITA $420,680 $538,650 $651,050 $809,150
WILSON $420,680 $538,650 $651,050 $809,150
WOODSON $420,680 $538,650 $651,050 $809,150
WYANDOTTE $431,250 $552,050 $667,350 $829,350

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