FHA Loans in Kansas
The FHA loan limit in Kansas is $472,030 for a single-family home. FHA loans require just 3.5% down payment and accept credit scores as low as 580.
Kansas FHA limits at the baseline cover the overwhelming majority of homes statewide, including the most desirable Johnson County suburbs. FHA loans are popular in Wichita and Topeka where affordable prices make the 3.5% down payment very manageable. Kansas's well-maintained housing stock and absence of major natural disaster risks (aside from tornadoes, which don't affect property structure requirements) mean FHA appraisals are generally straightforward.
By BuyAHomeIn Editorial | Updated 2026-03-02 | Sources: HUD, Zillow
FHA Loan Limit
$472,030
Min Down Payment
$16,521
3.5%
Est. Monthly Payment
$3,674
PITI + MIP
Min Credit Score
580
for 3.5% down
Monthly Payment Breakdown at FHA Limit
| Home Price | $472,030 |
| Down Payment (3.5%) | $16,521 |
| Loan Amount | $455,509 |
| Monthly Costs | |
| Principal & Interest (6.5%) | $2,879 |
| FHA Mortgage Insurance (MIP) | $209 |
| Property Tax | $468 |
| Homeowners Insurance | $118 |
| Total Monthly Payment | $3,674 |
* Estimated at 6.5% interest rate, 30-year fixed. MIP at 0.55% annual. Property tax at Kansas's average rate of 1.19%. Includes upfront MIP of 1.75% rolled into loan.
FHA Loan Requirements
Credit Score
580+ for 3.5% down payment. 500-579 requires 10% down.
Down Payment
Minimum 3.5% of purchase price. Can be a gift from family.
Debt-to-Income
Maximum 43% DTI ratio (up to 50% with compensating factors).
Property Requirements
Must be primary residence. FHA appraisal required (stricter than conventional).
Employment
2 years of steady employment history. Self-employed need 2 years of tax returns.
Mortgage Insurance
1.75% upfront MIP + 0.55% annual MIP. Required for life of loan (unless refinanced).
FHA vs Conventional in Kansas
| Feature | FHA | Conventional |
|---|---|---|
| Min Down Payment | 3.5% | 3-5% |
| Min Credit Score | 580 | 620 |
| Mortgage Insurance | Life of loan | Until 20% equity |
| Loan Limit (Kansas) | $472,030 | $766,550+ |
| Best For | Lower credit, small savings | Good credit, 20%+ down |
