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FHA loans in Kansas

Quick answer

FHA loans in Kansas require 3.5% down with a 580+ credit score; on a $203,400 home that's about $7,119. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

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

FHA loan snapshot for Kansas

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
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 FHA 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).

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in Kansas cities

FHA in WichitaFHA in Overland ParkFHA in Kansas CityFHA in OlatheFHA in TopekaFHA in LawrenceFHA in ShawneeFHA in LenexaFHA in ManhattanFHA in SalinaFHA in HutchinsonFHA in LeavenworthFHA in LeawoodFHA in Garden CityFHA in Dodge CityFHA in DerbyFHA in EmporiaFHA in GardnerFHA in Prairie VillageFHA in Junction CityFHA in HaysFHA in PittsburgFHA in LiberalFHA in NewtonFHA in AndoverFHA in Great BendFHA in McPhersonFHA in El DoradoFHA in OttawaFHA in Arkansas CityFHA in WinfieldFHA in LansingFHA in HaysvilleFHA in MerriamFHA in Atchison

Frequently asked questions

Yes. FHA 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.