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2021 FHA Loan Limits in Kansas

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The federal government has set the maximum amount a Kansan homebuyer can borrow with an FHA loan at $356,362 and $389,850 for a single-family home, depending on which county the property is located in. While the lower number applies to much of the state, folks in several counties in the Kansas City metro area might be able to qualify for more than $380,000.

Dreaming about buying a house in Kansas? This may be the perfect time to make the leap. And thanks to the Federal Housing Administration (FHA), some Kansans can qualify for federally backed loans to help get them into a new house. This year, residents will be able to borrow even more with an FHA loan in some areas to make their homebuying dreams come true.

Kansas FHA loan limits by county

FHA Loan Limits in Kansas
County Name One-Family Two-Family Three-Family Four-Family Median Sale Price
Allen $356,362 $456,275 $551,500 $685,400 $82,000
Anderson $356,362 $456,275 $551,500 $685,400 $148,000
Atchison $356,362 $456,275 $551,500 $685,400 $114,000
Barber $356,362 $456,275 $551,500 $685,400 $75,000
Barton $356,362 $456,275 $551,500 $685,400 $104,000
Bourbon $356,362 $456,275 $551,500 $685,400 $87,000
Brown $356,362 $456,275 $551,500 $685,400 $94,000
Butler $356,362 $456,275 $551,500 $685,400 $187,000
Chase $356,362 $456,275 $551,500 $685,400 $131,000
Chautauqua $356,362 $456,275 $551,500 $685,400 $71,000
Cherokee $356,362 $456,275 $551,500 $685,400 $91,000
Cheyenne $356,362 $456,275 $551,500 $685,400 $95,000
Clark $356,362 $456,275 $551,500 $685,400 $88,000
Clay $356,362 $456,275 $551,500 $685,400 $110,000
Cloud $356,362 $456,275 $551,500 $685,400 $83,000
Coffey $356,362 $456,275 $551,500 $685,400 $132,000
Comanche $356,362 $456,275 $551,500 $685,400 $89,000
Cowley $356,362 $456,275 $551,500 $685,400 $98,000
Crawford $356,362 $456,275 $551,500 $685,400 $116,000
Decatur $356,362 $456,275 $551,500 $685,400 $73,000
Dickinson $356,362 $456,275 $551,500 $685,400 $123,000
Doniphan $356,362 $456,275 $551,500 $685,400 $164,000
Douglas $356,362 $456,275 $551,500 $685,400 $236,000
Edwards $356,362 $456,275 $551,500 $685,400 $68,000
Elk $356,362 $456,275 $551,500 $685,400 $57,000
Ellis $356,362 $456,275 $551,500 $685,400 $185,000
Ellsworth $356,362 $456,275 $551,500 $685,400 $106,000
Finney $356,362 $456,275 $551,500 $685,400 $207,000
Ford $356,362 $456,275 $551,500 $685,400 $172,000
Franklin $356,362 $456,275 $551,500 $685,400 $141,000
Geary $356,362 $456,275 $551,500 $685,400 $239,000
Gove $356,362 $456,275 $551,500 $685,400 $91,000
Graham $356,362 $456,275 $551,500 $685,400 $79,000
Grant $356,362 $456,275 $551,500 $685,400 $123,000
Gray $356,362 $456,275 $551,500 $685,400 $162,000
Greeley $356,362 $456,275 $551,500 $685,400 $108,000
Greenwood $356,362 $456,275 $551,500 $685,400 $72,000
Hamilton $356,362 $456,275 $551,500 $685,400 $95,000
Harper $356,362 $456,275 $551,500 $685,400 $116,000
Harvey $356,362 $456,275 $551,500 $685,400 $187,000
Haskell $356,362 $456,275 $551,500 $685,400 $118,000
Hodgeman $356,362 $456,275 $551,500 $685,400 $92,000
Jackson $356,362 $456,275 $551,500 $685,400 $165,000
Jefferson $356,362 $456,275 $551,500 $685,400 $165,000
Jewell $356,362 $456,275 $551,500 $685,400 $60,000
Johnson $389,850 $499,050 $603,250 $749,700 $339,000
Kearny $356,362 $456,275 $551,500 $685,400 $207,000
Kingman $356,362 $456,275 $551,500 $685,400 $115,000
Kiowa $356,362 $456,275 $551,500 $685,400 $133,000
Labette $356,362 $456,275 $551,500 $685,400 $89,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets limits on how expensive a house the FHA will insure in each county in the United States. These limits are set based on the current year’s conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will purchase. In 2021, that conforming limit is $548,250, up roughly $38,000 from 2020’s limit of $510,400.

The FHA “floor” is the largest mortgage the agency will issue in most of the country and is 65% of the conforming loan limit. In 2021, the FHA floor is set at $356,362, an increase of about $24,600 above the 2020 limit of $331,760.

The FHA “ceiling” is a higher limit that only applies to high-cost areas. This is set at 150% of the conforming loan limit, or $822,375 for single-family homes. With a few exceptions, this is generally the largest mortgage amount the agency will insure for a single-family home. In many parts of the country, loan limits fall somewhere between the FHA floor and ceiling.

Outside of the lower 48 states, FHA maximum loan limits are higher because of more expensive construction costs. These include the special exception areas of Alaska, Hawaii, Guam and the U.S. Virgin Islands.

Here are the 2021 standard FHA limits for all property types:

  • One-unit: $356,362
  • Two-unit: $456,275
  • Three-unit: $551,500
  • Four-unit: $685,400

Here are the 2021 standard FHA limits for high-cost areas:

  • One-unit: $822,375
  • Two-unit: $1,053,000
  • Three-unit: $1,272,750
  • Four-unit: $1,581,750

Do you qualify for an FHA loan in Kansas?

FHA loans are a great deal for qualified buyers, thanks to lower down payments and closing costs. Find out if your credit score and income will help you qualify for one of these loans.

 

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