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Conventional loans in Kansas

Quick answer

Conventional loans in Kansas allow as little as 3% down (about $6,102 on a $203,400 home) with a 620+ credit score, up to the $832,750 baseline conforming limit.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

Conventional loan snapshot for Kansas

ItemEstimate
Minimum down payment3%
Minimum credit score620
Typical KS home value$203,400
3.5% down on typical home$7,119
20% down on typical home$40,680
Avg. effective property tax1.30%/yr (~$220/mo)
Income for typical home (31% rule)$66,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Kansas programs pair with Conventional loans?

  • First Time Homebuyer Program: Deferred down payment assistance for lower-income first-time buyers, often paired with homebuyer education.
  • Local DPA: Wichita, Kansas City (KS) and other cities run their own assistance programs.

Details and current limits: Kansas Housing Resources Corporation (KHRC).

How does a conventional loan work?

Conventional loans are made by private lenders and usually sold to Fannie Mae or Freddie Mac. Because they follow those agencies' guidelines, they're called conforming loans. You can choose a fixed rate (15, 20 or 30 years) or an adjustable rate.

Your rate and mortgage insurance cost depend heavily on your credit score and down payment, so improving either before you apply can noticeably lower your payment.

Who qualifies for a conventional loan?

  • Credit score: generally 620 minimum.
  • Debt-to-income (DTI): up to 45%, and sometimes 50% with strong compensating factors.
  • Down payment: 3% (HomeReady, Home Possible, 97% LTV programs) to 5%+.
  • Steady, documented income — usually two years of history.
  • Property: primary homes, second homes and investment properties are all allowed (with higher down payments for non-primary homes).

Conventional loans in Kansas cities

Conventional in WichitaConventional in Overland ParkConventional in Kansas CityConventional in OlatheConventional in TopekaConventional in LawrenceConventional in ShawneeConventional in LenexaConventional in ManhattanConventional in SalinaConventional in HutchinsonConventional in LeavenworthConventional in LeawoodConventional in Garden CityConventional in Dodge CityConventional in DerbyConventional in EmporiaConventional in GardnerConventional in Prairie VillageConventional in Junction CityConventional in HaysConventional in PittsburgConventional in LiberalConventional in NewtonConventional in AndoverConventional in Great BendConventional in McPhersonConventional in El DoradoConventional in OttawaConventional in Arkansas CityConventional in WinfieldConventional in LansingConventional in HaysvilleConventional in MerriamConventional in Atchison

Frequently asked questions

Yes. Conventional loans are available statewide in Kansas through approved lenders, subject to county loan limits where they apply.

Often yes. Kansas Housing Resources Corporation (KHRC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Kansas.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.