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Kansas FHA Home Loans

FHA Mortgage Loan Programs in Kansas
FHA Loan Requirements - 2023 FHA Loan Limits

Kansas FHA Loan | Requirements | 2023 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 2023 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.

2023 Kansas FHA Loan Limits

Below are the 2023 FHA loan limits for every county in Kansas:

 

County Single Family 2 Family 3 Family 4 Family
ALLEN  $472,030  $604,400  $730,525  $907,900
ANDERSON  $472,030  $604,400  $730,525  $907,900
ATCHISON  $472,030  $604,400  $730,525  $907,900
BARBER  $472,030  $604,400  $730,525  $907,900
BARTON  $472,030  $604,400  $730,525  $907,900
BOURBON  $472,030  $604,400  $730,525  $907,900
BROWN  $472,030  $604,400  $730,525  $907,900
BUTLER  $472,030  $604,400  $730,525  $907,900
CHASE  $472,030  $604,400  $730,525  $907,900
CHAUTAUQUA  $472,030  $604,400  $730,525  $907,900
CHEROKEE  $472,030  $604,400  $730,525  $907,900
CHEYENNE  $472,030  $604,400  $730,525  $907,900
CLARK  $472,030  $604,400  $730,525  $907,900
CLAY  $472,030  $604,400  $730,525  $907,900
CLOUD  $472,030  $604,400  $730,525  $907,900
COFFEY  $472,030  $604,400  $730,525  $907,900
COMANCHE  $472,030  $604,400  $730,525  $907,900
COWLEY  $472,030  $604,400  $730,525  $907,900
CRAWFORD  $472,030  $604,400  $730,525  $907,900
DECATUR  $472,030  $604,400  $730,525  $907,900
DICKINSON  $472,030  $604,400  $730,525  $907,900
DONIPHAN  $472,030  $604,400  $730,525  $907,900
DOUGLAS  $472,030  $604,400  $730,525  $907,900
EDWARDS  $472,030  $604,400  $730,525  $907,900
ELK  $472,030  $604,400  $730,525  $907,900
ELLIS  $472,030  $604,400  $730,525  $907,900
ELLSWORTH  $472,030  $604,400  $730,525  $907,900
FINNEY  $472,030  $604,400  $730,525  $907,900
FORD  $472,030  $604,400  $730,525  $907,900
FRANKLIN  $472,030  $604,400  $730,525  $907,900
GEARY  $472,030  $604,400  $730,525  $907,900
GOVE  $472,030  $604,400  $730,525  $907,900
GRAHAM  $472,030  $604,400  $730,525  $907,900
GRANT  $472,030  $604,400  $730,525  $907,900
GRAY  $472,030  $604,400  $730,525  $907,900
GREELEY  $472,030  $604,400  $730,525  $907,900
GREENWOOD  $472,030  $604,400  $730,525  $907,900
HAMILTON  $472,030  $604,400  $730,525  $907,900
HARPER  $472,030  $604,400  $730,525  $907,900
HARVEY  $472,030  $604,400  $730,525  $907,900
HASKELL  $472,030  $604,400  $730,525  $907,900
HODGEMAN  $472,030  $604,400  $730,525  $907,900
JACKSON  $472,030  $604,400  $730,525  $907,900
JEFFERSON  $472,030  $604,400  $730,525  $907,900
JEWELL  $472,030  $604,400  $730,525  $907,900
JOHNSON  $472,030  $604,400  $730,525  $907,900
KEARNY  $472,030  $604,400  $730,525  $907,900
KINGMAN  $472,030  $604,400  $730,525  $907,900
KIOWA  $472,030  $604,400  $730,525  $907,900
LABETTE  $472,030  $604,400  $730,525  $907,900
LANE  $472,030  $604,400  $730,525  $907,900
LEAVENWORTH  $472,030  $604,400  $730,525  $907,900
LINCOLN  $472,030  $604,400  $730,525  $907,900
LINN  $472,030  $604,400  $730,525  $907,900
LOGAN  $472,030  $604,400  $730,525  $907,900
LYON  $472,030  $604,400  $730,525  $907,900
MCPHERSON  $472,030  $604,400  $730,525  $907,900
MARION  $472,030  $604,400  $730,525  $907,900
MARSHALL  $472,030  $604,400  $730,525  $907,900
MEADE  $472,030  $604,400  $730,525  $907,900
MIAMI  $472,030  $604,400  $730,525  $907,900
MITCHELL  $472,030  $604,400  $730,525  $907,900
MONTGOMERY  $472,030  $604,400  $730,525  $907,900
MORRIS  $472,030  $604,400  $730,525  $907,900
MORTON  $472,030  $604,400  $730,525  $907,900
NEMAHA  $472,030  $604,400  $730,525  $907,900
NEOSHO  $472,030  $604,400  $730,525  $907,900
NESS  $472,030  $604,400  $730,525  $907,900
NORTON  $472,030  $604,400  $730,525  $907,900
OSAGE  $472,030  $604,400  $730,525  $907,900
OSBORNE  $472,030  $604,400  $730,525  $907,900
OTTAWA  $472,030  $604,400  $730,525  $907,900
PAWNEE  $472,030  $604,400  $730,525  $907,900
PHILLIPS  $472,030  $604,400  $730,525  $907,900
POTTAWATOMIE  $472,030  $604,400  $730,525  $907,900
PRATT  $472,030  $604,400  $730,525  $907,900
RAWLINS  $472,030  $604,400  $730,525  $907,900
RENO  $472,030  $604,400  $730,525  $907,900
REPUBLIC  $472,030  $604,400  $730,525  $907,900
RICE  $472,030  $604,400  $730,525  $907,900
RILEY  $472,030  $604,400  $730,525  $907,900
ROOKS  $472,030  $604,400  $730,525  $907,900
RUSH  $472,030  $604,400  $730,525  $907,900
RUSSELL  $472,030  $604,400  $730,525  $907,900
SALINE  $472,030  $604,400  $730,525  $907,900
SCOTT  $472,030  $604,400  $730,525  $907,900
SEDGWICK  $472,030  $604,400  $730,525  $907,900
SEWARD  $472,030  $604,400  $730,525  $907,900
SHAWNEE  $472,030  $604,400  $730,525  $907,900
SHERIDAN  $472,030  $604,400  $730,525  $907,900
SHERMAN  $472,030  $604,400  $730,525  $907,900
SMITH  $472,030  $604,400  $730,525  $907,900
STAFFORD  $472,030  $604,400  $730,525  $907,900
STANTON  $472,030  $604,400  $730,525  $907,900
STEVENS  $472,030  $604,400  $730,525  $907,900
SUMNER  $472,030  $604,400  $730,525  $907,900
THOMAS  $472,030  $604,400  $730,525  $907,900
TREGO  $472,030  $604,400  $730,525  $907,900
WABAUNSEE  $472,030  $604,400  $730,525  $907,900
WALLACE  $472,030  $604,400  $730,525  $907,900
WASHINGTON  $472,030  $604,400  $730,525  $907,900
WICHITA  $472,030  $604,400  $730,525  $907,900
WILSON  $472,030  $604,400  $730,525  $907,900
WOODSON  $472,030  $604,400  $730,525  $907,900
WYANDOTTE  $472,030  $604,400  $730,525  $907,900

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