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Kansas Mortgage Guide

Kansas Mortgage Guides

Kansas Mortgage Guide 2026

The same FHA limit and the same conforming limit apply in all 105 counties, and recording fees are fixed by statute rather than set locally, which leaves property taxes and program eligibility as the variables that actually move money.

📖 11 min readUpdated September 2026Kansas
$541,2872026 FHA limit, all 105 counties
$832,7502026 conforming limit, all 105 counties
1.29%Est. effective property tax rate
$17Recording fee, first page

Kansas loan limits by county

Kansas needs one row. Every county in the state carries the same 2026 FHA limit and the same conforming limit, because no Kansas county is designated high-cost.

CountiesConforming limitFHA limitNotes
All 105 Kansas counties$832,750$541,287One-unit. Includes Johnson, Wyandotte, Sedgwick, Shawnee and Douglas

FHA limits come from the HUD FHA Mortgage Limits lookup and conforming limits from FHFA. They are set by different agencies and are not interchangeable. Both reset each January.

Loan programs available in Kansas

The down payment and credit figures below are practical lender thresholds rather than published agency rules, and they are the same in every state.

ProgramMin down paymentMin credit scoreBest for
FHA3.5%580Lower credit scores or limited savings
VA0%No VA minimum (set by lender)Eligible veterans and service members
USDA0%No USDA minimum (640 is the automated-underwriting cutoff)Rural Kansas within income limits
Conventional3–20%Set by lenderStronger credit, cancellable mortgage insurance

FHA’s 3.5% and 580 are confirmable in HUD Handbook 4000.1. VA publishes no minimum credit score and USDA’s 640 is a GUS underwriting threshold rather than a program floor, which is why both are described here as lender practice.

Kansas Housing Resources Corporation

KHRC is the state housing agency and the source of the main first-time buyer benefit in Kansas.

ProgramWhat it provides
First Time Homebuyer Program0% interest second mortgage of 15% or 20% of purchase price, forgiven after 10 years
Home Loan Guarantee for Rural KansasGuarantees the loan amount above 80% of appraised value, up to 125% of value, capped at $100,000 per guarantee

First Time Homebuyer assistance requires household income at or below 80% of area median income, and it cannot be used in Johnson County or within the Kansas City, Lawrence, Topeka or Wichita city limits. Those areas administer their own programs.

Program terms and the county income limit table are published by Kansas Housing Resources Corporation. See the Kansas first-time buyer guide for the full eligibility detail.

Kansas property taxes

Kansas property tax is levied locally, so what you pay depends on your school district and municipality rather than on a single state rate. The statewide figure below is an estimate derived from Census data, not a rate anyone charges.

The 1.29% figure is 2024 ACS median real estate taxes paid of $2,798 divided by a median home value of $217,200. It is a ratio of two medians — an estimated effective rate, not a statutory rate and not the median of individual households’ rates.

Home valueEst. annual taxEst. monthly escrow
$175,000~$2,260 (Est.)~$188 (Est.)
$217,200 (state median)~$2,800 (Est.)~$233 (Est.)
$300,000~$3,870 (Est.)~$323 (Est.)
$400,000~$5,160 (Est.)~$430 (Est.)

Estimates apply the 1.29% statewide figure and will not match any specific tax bill. Source figures from Census ACS 5-Year 2024, tables B25103 and B25077. Median taxes run $3,056 on homes with a mortgage and $2,432 on homes without one.

Kansas closing costs

Kansas repealed its mortgage registration fee effective January 1, 2019 and charges statutory recording fees instead. The practical effect is that the size of your loan no longer changes what it costs to record the mortgage.

FeeAmountOn a $250,000 purchase
Recording, first page$17$17
Recording, each additional page$13Varies by document length
Mortgage release or assignment$16$16
Mortgage registration fee$0$0 — repealed January 1, 2019
Title insurance, lender policy~$900–$1,500Not set by the state

Recording fees are set statewide by K.S.A. 28-115. See the Kansas closing costs guide for the full buyer and seller breakdown.

Kansas mortgage FAQs

What is the FHA loan limit in Kansas?
$541,287 for a one-family home in all 105 Kansas counties for 2026. No Kansas county carries a high-cost designation, so the entire state sits at the national floor, including Johnson and Wyandotte counties in the Kansas City metro.
What is the conforming loan limit in Kansas?
$832,750 for a one-unit property, and again that applies in every Kansas county. Conforming limits come from FHFA and FHA limits come from HUD; they are different numbers set by different agencies.
What are property taxes like in Kansas?
The estimated effective rate is about 1.29% statewide, derived from 2024 American Community Survey figures of $2,798 median real estate taxes paid against a $217,200 median home value. Actual bills vary considerably by school district and municipality, since Kansas property tax is levied locally.
Does Kansas charge a mortgage tax?
No. Kansas repealed its mortgage registration fee effective January 1, 2019 and charges statutory recording fees instead. Recording a mortgage costs $17 for the first page and $13 for each additional page, the same in every county.
What down payment assistance is available in Kansas?
The KHRC First Time Homebuyer Program offers a 0% interest second mortgage worth 15% or 20% of the purchase price, forgiven after 10 years in the home. It cannot be used in Johnson County or inside the Kansas City, Lawrence, Topeka or Wichita city limits.