Kansas FHA Loan Requirements 2026
One FHA loan limit covers every county in Kansas. Here is the limit, the credit and down payment minimums, and what mortgage insurance actually costs.
Kansas FHA loan limits by county
HUD sets the 2026 FHA limit at the national floor in every one of the state’s 105 counties, including Johnson and Wyandotte counties in the Kansas City metro, which are the counties most likely to be exceptions elsewhere.
| Counties | One-family | Two-family | Three-family | Four-family |
|---|---|---|---|---|
| All 105 Kansas counties | $541,287 | $693,050 | $837,700 | $1,041,125 |
Verify any county directly in the HUD FHA Mortgage Limits lookup. Select Kansas, limit type FHA Forward, limit year CY2026. FHA limits reset each January.
FHA requirements in Kansas
FHA requirements are federal. Nothing in this table is specific to Kansas, but the limit above is what determines how far an FHA loan stretches here.
| Requirement | FHA minimum | Notes |
|---|---|---|
| Credit score, 3.5% down | 580 | Lender overlays are commonly higher |
| Credit score, 10% down | 500 | Between 500 and 579 |
| Down payment | 3.5% | Gift funds permitted from eligible sources |
| Occupancy | Primary residence | Not for investment property |
| Property standards | HUD minimum property requirements | Appraisal includes a condition review |
FHA mortgage insurance premiums (MIP)
FHA charges mortgage insurance twice: once upfront, and then annually for as long as the premium is required. The annual rate depends on loan term, loan-to-value and base loan amount.
| Premium | Rate | Applies to |
|---|---|---|
| Upfront MIP | 1.75% of base loan amount | All purchase and refinance loans; may be financed |
| Annual MIP, LTV above 95% | 55 basis points | Term over 15 years, base loan $726,200 or less |
| Annual MIP, LTV above 90% to 95% | 50 basis points | Term over 15 years, base loan $726,200 or less |
| Annual MIP, LTV 90% or less | 50 basis points | Term over 15 years, base loan $726,200 or less |
Kansas has a built-in simplification here. HUD charges higher annual premiums on base loan amounts above $726,200, but the FHA limit in every Kansas county is $541,287 — so no FHA loan originated in Kansas can reach the higher tier. A Kansas buyer putting 3.5% down is at 96.5% LTV and pays 55 basis points.
Premium structure published by HUD in its FHA mortgage insurance premium guidance, drawn from Handbook 4000.1.
FHA versus conventional in Kansas
| Feature | FHA | Conventional |
|---|---|---|
| Minimum down payment | 3.5% at 580 credit | 3% to 20% |
| Minimum credit score | 580 (500 with 10% down) | Set by lender |
| Upfront charge | 1.75% upfront MIP | None |
| Ongoing mortgage insurance | 55 bps annual, usually for the life of the loan | Cancels at 20% equity |
| 2026 Kansas limit | $541,287 in all 105 counties | $832,750 in all 105 counties |
The conventional figure is the 2026 conforming loan limit value published by FHFA. FHA and conforming limits come from different agencies and are different numbers.
KHRC First Time Homebuyer + FHA Combination
FHA financing and Kansas Housing Resources Corporation assistance are designed to stack. FHA supplies the first mortgage at 3.5% down; the KHRC First Time Homebuyer Program supplies a 0% interest second mortgage that covers the down payment and closing costs. For an eligible buyer this is the combination that gets closest to no cash at closing.
| Element | What it contributes |
|---|---|
| FHA first mortgage | 3.5% down at 580 credit, $541,287 limit in every Kansas county |
| KHRC second mortgage | 15% or 20% of purchase price at 0% interest, applied to down payment and closing costs |
| Forgiveness | The KHRC second is forgiven in full after 10 years in the home, with no monthly payments |
| Income test | Household income at or below 80% of area median income for the county |
| Your own funds | At least 1% and no more than 10% of the sale price |
| KHRC requirements | 30-year fixed first mortgage, total debt ratio 45% or less, HUD pre-purchase counseling and homebuyer education, and a maximum purchase price (KHRC program summary) |
The combination is unavailable in Johnson County and inside the city limits of Kansas City, Lawrence, Topeka and Wichita. FHA financing itself works everywhere in Kansas — it is the KHRC layer that carries the geographic restriction, because those areas receive their own federal housing allocations and run their own programs.
Eligibility detail and the county income limit table are published by Kansas Housing Resources Corporation. See the Kansas first-time buyer guide for the full program terms.
