Kansas Mortgage Guides 2026
This complete Kansas mortgage guide covers FHA and conforming loan limits that are identical in all 105 counties, Kansas Housing Resources Corporation first-time buyer assistance and the metro areas it excludes, USDA rural loans across most of the state, VA loan guidance for Kansas veterans, and a full closing cost breakdown — including why Kansas charges statutory recording fees instead of a mortgage registration fee — all in one place.
Everything You Need for a Kansas Home Purchase
Six guides covering loan limits, first-time buyer programs, FHA, VA and USDA requirements, and what closing actually costs in Kansas.
Kansas Mortgage Guide
Loan limits, loan programs, KHRC mortgages, property taxes and closing costs — the full picture in one guide.
Read guide →Kansas First-Time Home Buyer Programs
KHRC First Time Homebuyer assistance, the 80% income limit, the buyer contribution rule, and the counties and cities where it cannot be used.
Read guide →Kansas FHA Loan Requirements
One FHA limit for every Kansas county, mortgage insurance premiums, credit and down payment minimums, and how FHA compares to conventional.
Read guide →Kansas VA Loan Requirements
Eligibility, full versus partial entitlement, the 2026 funding fee tables, and the military communities around Fort Riley and Fort Leavenworth.
Read guide →Kansas USDA Loans
Zero down payment across rural Kansas, FY2026 income limits including the Kansas City and Lawrence areas, and the guarantee fee structure.
Read guide →Kansas Closing Costs
Statutory recording fees that are the same in every county, the repealed mortgage registration fee, and what buyers and sellers each pay.
Read guide →Key Kansas Mortgage Guide Facts
FHA Loan Limits (2026)
- $541,287 one-family limit in all 105 Kansas counties
- No high-cost counties — Kansas sits entirely at the 2026 national floor, including Johnson and Wyandotte in the Kansas City metro
- Two-family $693,050 · Three-family $837,700 · Four-family $1,041,125
- HUD FHA limit lookup
Down Payment Assistance
- 15% or 20% of the purchase price as a 0% interest second mortgage through the KHRC First Time Homebuyer Program
- Forgiven if you stay in the home 10 years — a forgivable soft second, not a cash grant
- Not available in Johnson County or inside the city limits of Kansas City, Lawrence, Topeka or Wichita, which administer their own housing programs
- Household income at or below 80% of area median income; buyer contributes 1% to 10% of the sale price
- KHRC First Time Homebuyer Program
Property Taxes
- 1.29% estimated effective property tax rate statewide
- Derived from 2024 ACS median real estate taxes paid of $2,798 divided by median home value of $217,200 — a ratio of two medians, not a statutory rate
- Median taxes run $3,056 on homes with a mortgage and $2,432 on homes without one
- Census ACS 5-Year 2024
Closing Cost Highlights
- No mortgage registration fee. Kansas repealed its mortgage registration fee effective January 1, 2019 and charges statutory recording fees instead
- Recording fees are set by statute and identical in all 105 counties: $17 for the first page, $13 each additional page
- Release or assignment of a mortgage $16 · acknowledgment of a signature $12.50
- K.S.A. 28-115 recording fees
Buying or Refinancing in Kansas?
In Kansas, the same FHA limit and the same conforming limit apply in every one of its 105 counties, and recording fees are fixed by statute rather than set county by county. The variables that actually move money here are which KHRC program you qualify for, whether your address is USDA eligible, and whether you are inside one of the five metro areas that run their own assistance instead.
- KHRC First Time Homebuyer assistance — outside Johnson County and the Kansas City, Lawrence, Topeka and Wichita city limits
- USDA financing with no down payment across most of rural Kansas
- VA loans with no down payment and no monthly mortgage insurance
- Conventional options from 3% down for buyers who do not need FHA
Coming soon · No obligation · Educational first
Kansas Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Kansas is on our expansion list. In the meantime, our Kansas guides and the official program links above have everything you need to research your purchase.
Join the Kansas Waitlist