🏦

FHA Loan Calculator for Kansas | 2026 County Loan Limits

Estimate your monthly FHA payment including upfront and annual MIP

Enter FHA Loan Details

FHA minimum is 3.5% with 580+ credit score

FHA vs Conventional Comparison

FHA Conventional
Min Down Payment 3.5% 3% - 20%
Credit Score Required 500+ 620+
Monthly MIP/PMI $XXX $XXX
Monthly Payment (Est.) $X,XXX $X,XXX
Best For Lower credit/savings Better credit/more savings

📍 Kansas FHA Information

FHA Loan Limit $524,225
Property Tax Rate 1.41%
Avg Home Price (Wichita) $211,000
Down Payment (3.5%) $7,385

First-Time Buyer Programs in Kansas:

  • KHRC First Time Homebuyer Program
  • Kansas Mortgage Credit Certificate

Kansas 2026 FHA County Loan Limits

Source: HUD.gov — Most Kansas counties have a standard limit of $524,225. High-cost counties (Butler, Douglas, Johnson, Leavenworth, Miami, Riley, Sedgwick, Shawnee, Wyandotte) have higher limits up to $787,500.

County FHA Loan Limit
Allen $524,225
Anderson $524,225
Atchison $524,225
Barber $524,225
Barton $524,225
Bourbon $524,225
Brown $524,225
Butler ★ $787,500
Chase $524,225
Chautauqua $524,225
Cherokee $524,225
Cheyenne $524,225
Clark $524,225
Clay $524,225
Cloud $524,225
Coffey $524,225
Comanche $524,225
Cowley $524,225
Crawford $524,225
Decatur $524,225
Dickinson $524,225
Doniphan $524,225
Douglas ★ $787,500
Edwards $524,225
Elk $524,225
Ellis $524,225
Ellsworth $524,225
Finney $524,225
Ford $524,225
Franklin $524,225
Geary $524,225
Gove $524,225
Graham $524,225
Grant $524,225
Gray $524,225
Greeley $524,225
Greenwood $524,225
Hamilton $524,225
Harper $524,225
Harvey $524,225
Haskell $524,225
Hodgeman $524,225
Jackson $524,225
Jefferson ★ $787,500
Jewell $524,225
Johnson ★ $787,500
Kearny $524,225
Kingman $524,225
Kiowa $524,225
Labette $524,225
Lane $524,225
Leavenworth ★ $787,500
Lincoln $524,225
Linn $524,225
Logan $524,225
Lyon $524,225
Marion $524,225
Marshall $524,225
McPherson $524,225
Meade $524,225
Miami ★ $787,500
Mitchell $524,225
Montgomery $524,225
Morris $524,225
Morton $524,225
Nemaha $524,225
Neosho $524,225
Ness $524,225
Norton $524,225
Osage $524,225
Osborne $524,225
Ottawa $524,225
Pawnee $524,225
Phillips $524,225
Pottawatomie $524,225
Pratt $524,225
Rawlins $524,225
Reno $524,225
Republic $524,225
Rice $524,225
Riley ★ $787,500
Rooks $524,225
Rush $524,225
Russell $524,225
Saline $524,225
Scott $524,225
Sedgwick ★ $787,500
Seward $524,225
Shawnee ★ $787,500
Sheridan $524,225
Sherman $524,225
Smith $524,225
Stafford $524,225
Stanton $524,225
Stevens $524,225
Sumner $524,225
Thomas $524,225
Trego $524,225
Wabaunsee $524,225
Wallace $524,225
Washington $524,225
Wichita $524,225
Wilson $524,225
Woodson $524,225
Wyandotte ★ $787,500

★ High-cost area with elevated loan limit

🏠 Average Home Prices by Kansas City

Wichita $215,000
Kansas City $285,000
Overland Park $425,000
Olathe $365,000
Topeka $175,000
Lawrence $295,000
Manhattan $265,000
Shawnee $335,000
Lenexa $395,000
Salina $165,000

💼 Kansas Housing Finance Programs

KHRC First Time Homebuyer Program

The Kansas Housing Resources Corporation offers up to 5% in down payment assistance as a second mortgage loan. This forgivable or repayable loan can significantly reduce the upfront costs of buying a home in Kansas.

Kansas Mortgage Credit Certificate

This program allows first-time homebuyers to claim a tax credit of up to $2,000 annually for mortgage interest paid. The credit equals 40% of the interest paid, up to a maximum of $2,000 per year.

📊 Kansas Property Tax Rates by County

Kansas has an average effective property tax rate of 1.41%, which is slightly below the national average. Property taxes in Kansas fund local schools, counties, cities, and other public services.

State Average

1.41%

National Average

1.07%

Kansas Range

0.5% - 2.2%

What is an FHA Loan Calculator in Kansas?

Welcome to our fha loan calculator kansas, specifically designed for first-time home buyers in Kansas who are considering an FHA loan. This calculator accounts for FHA's unique Mortgage Insurance Premium (MIP) requirement, giving you a more accurate monthly payment estimate than standard calculators that only show principal and interest.

How It Works

1

Enter Home Price and Down Payment

FHA allows down payments as low as 3.5%. Enter your home price and planned down payment amount.

2

Select Loan Term and Interest Rate

Choose between 15 and 30-year terms. Enter your expected interest rate from an FHA-approved lender.

3

Add Property Tax and Insurance

Include property tax rate (varies by state) and annual home insurance cost for complete PITI calculation.

4

Decide on Upfront MIP

Choose whether to pay the 1.75% upfront MIP at closing or roll it into your loan. Rolling increases your balance but reduces closing costs.

5

Review Monthly Payment

Your total monthly PITIMI includes principal, interest, taxes, insurance, and monthly MIP (Mortgage Insurance Premium).

Formula Explanation

Monthly Payment (PITI+MIP)

M = P × [r(1+r)^n] / [(1+r)^n - 1] + Monthly MIP

Variables:

M — Total monthly payment
P — Loan principal after upfront MIP
r — Monthly interest rate
n — Total number of payments
Monthly MIP — Annual MIP ÷ 12

Upfront MIP (UFMIP)

UFMIP = Base Loan × 1.75%

Variables:

UFMIP — Upfront mortgage insurance premium
Base Loan — Loan amount before UFMIP

Real-World Examples

$350,000 Home with 3.5% Down Payment

Input Values

home Price $350,000
down Payment Percent $3.5
interest Rate 6.5%
loan Term Years $30
property Tax Rate 1.2%
annual Insurance $1,400
upfront M I P $true
annual M I P Rate 0.55%

Results

base Loan Amount $337,750
upfront M I P 5910
total Loan 343660
monthly P I T I M I 2398
monthly M I P 155

With 3.5% down ($12,250), your base FHA loan is $337,750. Upfront MIP of 1.75% adds $5,910.

$280,000 Home with 10% Down Payment

Input Values

home Price $280,000
down Payment Percent $10
interest Rate 6.5%
loan Term Years $15
property Tax Rate 1%
annual Insurance $1,200
upfront M I P $false
annual M I P Rate 0.45%

Results

base Loan Amount $252,000
upfront M I P 0
total Loan 252000
monthly P I T I M I 2275
monthly M I P 94

With 10% down, your annual MIP rate drops to 0.45% and MIP cancels after 11 years instead of the life of the loan.

High-Cost Area: $600,000 Home with FHA Loan Limit

Input Values

home Price $600,000
down Payment Percent $3.5
interest Rate 6.5%
loan Term Years $30
property Tax Rate 1.2%
annual Insurance $2,400
upfront M I P $true
annual M I P Rate 0.55%

Results

base Loan Amount $579,000
upfront M I P 10133
total Loan 589133
monthly P I T I M I 4178
monthly M I P 265

In high-cost areas, FHA loan limits can reach $1,089,300. The upfront MIP of $10,133 can be rolled into the loan.

Common Mistakes to Avoid

Forgetting about upfront MIP

FHA loans charge 1.75% upfront MIP that can be rolled into the loan. On a $300,000 loan, that's $5,250 added to your balance.

Not comparing FHA MIP to conventional PMI

FHA annual MIP ranges from 0.45-1.05% of loan amount. Conventional PMI is often cheaper with 20% down and good credit.

Assuming MIP goes away like PMI

With less than 10% down, FHA MIP lasts the life of the loan. Conventional PMI can be cancelled at 20% equity.

Not checking FHA loan limits

FHA loan limits vary by county and can be as low as $420,680 in some areas.

Pro Tips

1

FHA loans require a 580+ credit score for best rates with 3.5% down

2

Upfront MIP can be rolled into your loan to reduce closing costs

3

Annual MIP rates vary - compare with conventional PMI costs

4

FHA loans are assumable - helpful when selling to buyers with less cash

5

Streamline refi available if your FHA loan is currently owned by FHA

6

Property must meet FHA minimum property standards

7

Seller can contribute up to 6% of sale price toward closing costs

Related Calculators

FHA Affordability Calculator FHA vs Conventional Calculator FHA Streamline Refinance Calculator Colorado FHA Calculator Missouri FHA Calculator Conventional Mortgage Calculator

Sources & References

1

HUD - Kansas FHA loan guidelines

Source →
2

FHA Mortgage Insurance Premium Rates

Source →
3

Kansas housing market statistics

Source →

Last updated: May 29, 2026

Frequently Asked Questions

What is the FHA loan limit in Kansas for 2026?
The FHA loan limit in Kansas for 2026 is $524,225. This is the standard floor limit for most US counties. If you need a loan exceeding this limit, you may need to consider a jumbo FHA loan or a conventional mortgage.

How much is the monthly MIP on an FHA loan in Kansas?
For a $211,000 home in Kansas with 3.5% down, the monthly MIP would be approximately $93 (based on the 0.55% annual rate for loans with less than 5% down payment on a 30-year term). This is in addition to your principal, interest, property tax, and insurance payments.

What is the minimum down payment for an FHA loan in Kansas?
The minimum down payment for an FHA loan in Kansas is 3.5% if you have a credit score of 580 or higher. If your credit score is between 500-579, you would need to put down at least 10%. FHA loans allow you to use down payment assistance programs, which many Kansas first-time buyers take advantage of through programs like KHRC First Time Homebuyer Program.

Can I use FHA with down payment assistance in Kansas?
Yes! Many first-time buyers in Kansas combine FHA loans with down payment assistance programs. KHRC First Time Homebuyer Program, Kansas Mortgage Credit Certificate are all available in Kansas. These programs can provide grants or forgivable loans to cover your 3.5% down payment requirement, making homeownership more accessible even if you have limited savings.

FHA vs conventional loan in Kansas — which is better?
The choice between FHA and conventional in Kansas depends on your situation. FHA loans offer lower credit score requirements (500+ vs 620+) and smaller down payments (3.5% vs 5-20%), but come with monthly MIP that lasts the life of your loan if you put less than 10% down. Conventional loans may be cheaper long-term if you can put 20% down and have good credit. For the average Kansas home of $211,000, compare total costs using our FHA vs Conventional calculator.