FAIL (the browser should render some flash content, not this).
Live Chat

Kansas FHA Loan

What are Kansas FHA Loans?
FHA stands for Federal Housing Authority. FHA Loans provide low-cost insured Home Mortgage Loans that suit a variety of purchasing options. Whether you're buying a home or want to refinance your mortgage, FHA loans might be right for you. If you're unsure about your credit rating, or have concerns about a down payment, FHA loans can give you piece of mind with super low closing costs and flexible payment options.


What factors determine if I am eligible for an FHA Loan in Kansas?
To be eligible for FHA Mortgage Loans, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be fairly considered. You must be able to make a down payment, cover closing costs and have enough income to pay your monthly debt.

What is the maximum amount that I can borrow?
The maximum amount for an FHA Mortgage is determined by:

Maximum Loan Amount in Kansas: The Maximum FHA Loan amount allowed for FHA Home Mortgages varies from county to county in KS. The highest maximum FHA Home Loan right now in Kansas is $271,050. The lowest maximum amount available in any county is $271,050. To see what the limit is in the county in which you're interested, please refer to the FHA Loan Limit chart at the bottom of this page.

Maximum financing: In Kansas, the maximum FHA financing will be 97.75% of the appraised value of the home or its selling price, whichever is lower.

How much money will I need for the down payment and closing costs?
Kansas FHA loans require the home buyer to invest at least 3.5% of the sales price in cash for the down payment and closing costs. If the sales price is $100,000 for example, the home buyer must invest at least $3,500. However, the home buyer can use gifts from family, funds from local, state or government agencies, or other sources for the down payment.

What property types are allowed for FHA Loans in Kansas?
While FHA Guidelines do require that the property be Owner Occupied (OO), they do allow you to purchase condos, planned unit developments, manufactured homes, and 1-4 family residences, in which the borrower intends to occupy one part of the multi-unit residence.

More information on FHA Mortgages

What types of refinance programs does FHA offer in Kansas?
There are three main types of FHA Refinance loans available in KS.

FHA Rate/Term Refinance
The FHA Rate/Term Refinance is for borrowers who currently have a conventional fixed rate or ARM mortgage and wish to refinance into an FHA Mortgage. This program helps borrowers who wish to have a stable, fixed rate FHA Insured Loan.

Cash-Out Refinance
An FHA Cash Out Refinance is perfect for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.


Streamline Refinance

The FHA Streamline Refinance is designed to lower the interest rate on a current FHA House Loan or convert a current FHA adjustable rate mortgage into a fixed rate. An FHA Streamline Refinance can be performed quickly and easily. It requires much less hassle and paperwork than a normal refinance including no appraisal, no qualifying debt ratios and no income verification.

How much can I refinance in Kansas?
The maximum amount for an FHA loan is determined by

Maximum Loan Amount in Kansas
The maximum FHA Loan Amount allowed for FHA Mortgage Refinance varies from county to county in Kansas. The highest maximum FHA Home Refinance amount right now in Kansas is $271,050. The lowest maximum amount available in any county is $275,050. To see what the limit is in the county in which you're interested, please refer to the Kansas FHA Loan Limit chart at the bottom of this page.

Maximum financing: In Kansas, the maximum financing for an FHA Rate Term Refinance (No Cash-Out) or FHA Streamline Refinance Program (No Cash-Out) will be 97.75% of the appraised value of the home or its selling price, whichever is lower. The maximum financing for an FHA Cash-Out Refinance in Kansas is 85%.

What factors determine if I am eligible for an FHA Refinance Loan?
To be eligible for an FHA Mortgage Loan Refinance in Kansas, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be fairly considered. You must be able to make a down payment, cover closing costs and have enough income to pay your monthly debt.

Complete Online Application


Kansas FHA Mortgage Limits by County

MSA Name County Name
One-Family
Two-Family
Three-Family
Four-Family
NON-METRO ALLEN $271,050 $347,000 $419,425 $521,250
NON-METRO ANDERSON $271,050 $347,000 $419,425 $521,250
ATCHISON, KS (MICRO) ATCHISON $271,050 $347,000 $419,425 $521,250
NON-METRO BARBER $271,050 $347,000 $419,425 $521,250
GREAT BEND, KS (MICRO) BARTON $271,050 $347,000 $419,425 $521,250
NON-METRO BOURBON $271,050 $347,000 $419,425 $521,250
NON-METRO BROWN $271,050 $347,000 $419,425 $521,250
WICHITA, KS (MSA) BUTLER $271,050 $347,000 $419,425 $521,250
EMPORIA, KS (MICRO) CHASE $271,050 $347,000 $419,425 $521,250
NON-METRO CHAUTAUQUA $271,050 $347,000 $419,425 $521,250
NON-METRO CHEROKEE $271,050 $347,000 $419,425 $521,250
NON-METRO CHEYENNE $271,050 $347,000 $419,425 $521,250
NON-METRO CLARK $271,050 $347,000 $419,425 $521,250
NON-METRO CLAY $271,050 $347,000 $419,425 $521,250
NON-METRO CLOUD $271,050 $347,000 $419,425 $521,250
NON-METRO COFFEY $271,050 $347,000 $419,425 $521,250
NON-METRO COMANCHE $271,050 $347,000 $419,425 $521,250
WINFIELD, KS (MICRO) COWLEY $271,050 $347,000 $419,425 $521,250
PITTSBURG, KS (MICRO) CRAWFORD $271,050 $347,000 $419,425 $521,250
NON-METRO DECATUR $271,050 $347,000 $419,425 $521,250
NON-METRO DICKINSON $271,050 $347,000 $419,425 $521,250
ST. JOSEPH, MO-KS (MSA) DONIPHAN $271,050 $347,000 $419,425 $521,250
LAWRENCE, KS (MSA) DOUGLAS $271,050 $347,000 $419,425 $521,250
NON-METRO EDWARDS $271,050 $347,000 $419,425 $521,250
NON-METRO ELK $271,050 $347,000 $419,425 $521,250
HAYS, KS (MICRO) ELLIS $271,050 $347,000 $419,425 $521,250
NON-METRO ELLSWORTH $271,050 $347,000 $419,425 $521,250
GARDEN CITY, KS (MICRO) FINNEY $271,050 $347,000 $419,425 $521,250
DODGE CITY, KS (MICRO) FORD $271,050 $347,000 $419,425 $521,250
KANSAS CITY, MO-KS (MSA) FRANKLIN $271,050 $347,000 $419,425 $521,250
MANHATTAN, KS (MICRO) GEARY $271,050 $347,000 $419,425 $521,250
NON-METRO GOVE $271,050 $347,000 $419,425 $521,250
NON-METRO GRAHAM $271,050 $347,000 $419,425 $521,250
NON-METRO GRANT $271,050 $347,000 $419,425 $521,250
NON-METRO GRAY $271,050 $347,000 $419,425 $521,250
NON-METRO GREELEY $271,050 $347,000 $419,425 $521,250
NON-METRO GREENWOOD $271,050 $347,000 $419,425 $521,250
NON-METRO HAMILTON $271,050 $347,000 $419,425 $521,250
NON-METRO HARPER $271,050 $347,000 $419,425 $521,250
WICHITA, KS (MSA) HARVEY $271,050 $347,000 $419,425 $521,250
NON-METRO HASKELL $271,050 $347,000 $419,425 $521,250
NON-METRO HODGEMAN $271,050 $347,000 $419,425 $521,250
TOPEKA, KS (MSA) JACKSON $271,050 $347,000 $419,425 $521,250
TOPEKA, KS (MSA) JEFFERSON $271,050 $347,000 $419,425 $521,250
NON-METRO JEWELL $271,050 $347,000 $419,425 $521,250
KANSAS CITY, MO-KS (MSA) JOHNSON $271,050 $347,000 $419,425 $521,250
NON-METRO KEARNY $271,050 $347,000 $419,425 $521,250
NON-METRO KINGMAN $271,050 $347,000 $419,425 $521,250
NON-METRO KIOWA $271,050 $347,000 $419,425 $521,250
PARSONS, KS (MICRO) LABETTE $271,050 $347,000 $419,425 $521,250
NON-METRO LANE $271,050 $347,000 $419,425 $521,250
KANSAS CITY, MO-KS (MSA) LEAVENWORTH $271,050 $347,000 $419,425 $521,250
NON-METRO LINCOLN $271,050 $347,000 $419,425 $521,250
KANSAS CITY, MO-KS (MSA) LINN $271,050 $347,000 $419,425 $521,250
NON-METRO LOGAN $271,050 $347,000 $419,425 $521,250
EMPORIA, KS (MICRO) LYON $271,050 $347,000 $419,425 $521,250
NON-METRO MARION $271,050 $347,000 $419,425 $521,250
NON-METRO MARSHALL $271,050 $347,000 $419,425 $521,250
MCPHERSON, KS (MICRO) MCPHERSON $271,050 $347,000 $419,425 $521,250
NON-METRO MEADE $271,050 $347,000 $419,425 $521,250
KANSAS CITY, MO-KS (MSA) MIAMI $271,050 $347,000 $419,425 $521,250
NON-METRO MITCHELL $271,050 $347,000 $419,425 $521,250
COFFEYVILLE, KS (MICRO) MONTGOMERY $271,050 $347,000 $419,425 $521,250
NON-METRO MORRIS $271,050 $347,000 $419,425 $521,250
NON-METRO MORTON $271,050 $347,000 $419,425 $521,250
NON-METRO NEMAHA $271,050 $347,000 $419,425 $521,250
NON-METRO NEOSHO $271,050 $347,000 $419,425 $521,250
NON-METRO NESS $271,050 $347,000 $419,425 $521,250
NON-METRO NORTON $271,050 $347,000 $419,425 $521,250
TOPEKA, KS (MSA) OSAGE $271,050 $347,000 $419,425 $521,250
NON-METRO OSBORNE $271,050 $347,000 $419,425 $521,250
SALINA, KS (MICRO) OTTAWA $271,050 $347,000 $419,425 $521,250
NON-METRO PAWNEE $271,050 $347,000 $419,425 $521,250
NON-METRO PHILLIPS $271,050 $347,000 $419,425 $521,250
MANHATTAN, KS (MICRO) POTTAWATOMIE $271,050 $347,000 $419,425 $521,250
NON-METRO PRATT $271,050 $347,000 $419,425 $521,250
NON-METRO RAWLINS $271,050 $347,000 $419,425 $521,250
HUTCHINSON, KS (MICRO) RENO $271,050 $347,000 $419,425 $521,250
NON-METRO REPUBLIC $271,050 $347,000 $419,425 $521,250
NON-METRO RICE $271,050 $347,000 $419,425 $521,250
MANHATTAN, KS (MICRO) RILEY $271,050 $347,000 $419,425 $521,250
NON-METRO ROOKS $271,050 $347,000 $419,425 $521,250
NON-METRO RUSH $271,050 $347,000 $419,425 $521,250
NON-METRO RUSSELL $271,050 $347,000 $419,425 $521,250
SALINA, KS (MICRO) SALINE $271,050 $347,000 $419,425 $521,250
NON-METRO SCOTT $271,050 $347,000 $419,425 $521,250
WICHITA, KS (MSA) SEDGWICK $271,050 $347,000 $419,425 $521,250
LIBERAL, KS (MICRO) SEWARD $271,050 $347,000 $419,425 $521,250
TOPEKA, KS (MSA) SHAWNEE $271,050 $347,000 $419,425 $521,250
NON-METRO SHERIDAN $271,050 $347,000 $419,425 $521,250
NON-METRO SHERMAN $271,050 $347,000 $419,425 $521,250
NON-METRO SMITH $271,050 $347,000 $419,425 $521,250
NON-METRO STAFFORD $271,050 $347,000 $419,425 $521,250
NON-METRO STANTON $271,050 $347,000 $419,425 $521,250
NON-METRO STEVENS $271,050 $347,000 $419,425 $521,250
WICHITA, KS (MSA) SUMNER $271,050 $347,000 $419,425 $521,250
NON-METRO THOMAS $271,050 $347,000 $419,425 $521,250
NON-METRO TREGO $271,050 $347,000 $419,425 $521,250
TOPEKA, KS (MSA) WABAUNSEE $271,050 $347,000 $419,425 $521,250
NON-METRO WALLACE $271,050 $347,000 $419,425 $521,250
NON-METRO WASHINGTON $271,050 $347,000 $419,425 $521,250
NON-METRO WICHITA $271,050 $347,000 $419,425 $521,250
NON-METRO WILSON $271,050 $347,000 $419,425 $521,250
NON-METRO WOODSON $271,050 $347,000 $419,425 $521,250
KANSAS CITY, MO-KS (MSA) WYANDOTTE $271,050 $347,000 $419,425 $521,250

FHA loans in Kansas's top cities:

Kansas City Kansas FHA Loans Lawrence Kansas FHA Loans Olathe Kansas FHA Loans
Overland Park Kansas FHA Loans Topeka Kansas FHA Loans Wichita Kansas FHA Loans
                                                                                                                             

Complete Online Application


Select Type of Loan:


Select Your State:


What is Your Credit Profile:




 Why choose an FHA Home Loan?

  • Kansas FHA Mortgages require a Low 3.5% down payment.
  • Non-occupant, co-borrower are permitted to qualify for an FHA Home Loan.
  • Kansas FHA Mortgage loans use Expanded qualifying ratios.
  • There are no prepayment penalties for FHA Mortgage Home Loans.
  • An Kansas FHA Loan is fully assumable.
  • FHA Mortgage Insurance has lower premiums.
  • An FHA Mortgage Loan is eligible for non-credit qualifying, streamline refinance.
  • An FHA Home Mortgage is available all areas of the country, provided a market exists for the property and the home meets HUD's minimum property standards.
  • An FHA Home Loan may be used to purchase or refinance a new or existing one to four family home in urban and rural areas, including manufactured homes on permanent foundations.
  • Kansas FHA Loan Terms are offered at periods of 15 or 30 years.

 FHA Refinance Programs

FHA Rate/Term Refinance
The FHA Rate/Term Refinance is for borrowers who currently have a conventional fixed rate or ARM mortgage and wish to refinance into an FHA Mortgage. This program helps borrowers who wish to have a stable, fixed rate HUD FHA Loan.

Cash-Out Refinance
An FHA Cash Out Refinance is perfect for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.

FHA Streamline Refinance
The FHA Streamline Refinance is designed to lower the interest rate on a current FHA mortgage or convert a current FHA adjustable rate mortgage into a fixed rate. An FHA Streamline Refinance can be performed quickly and easily. It requires much less hassle and paperwork than a normal refinance including no appraisal, no qualifying debt ratios and no income verification.


 FHA Refinance Questions & Answers

What are the guidelines for an FHA Refinance?
If the borrower wishes to take cash out of the property, then the maximum financing amount is 85% of the appraised value, depending on the borrowers qualifications. If the borrower does not take cash out then the maximum financing will be either 98.75% or 97.75% of the appraised value of the home or the amount you are refinancing plus closing costs, whichever is lower.

Why should I consider refinancing into a FHA-insured mortgage?
FHA refinance mortgages do not come with prepayment penalties, have no teaser rates nor balloon payments. They are offered at market rate with terms up to 30 years and are fully amortized, meaning that you pay towards principal and interest every month.

What if I have a prepayment penalty and other refinancing costs and there isn’t enough equity in my home to refinance?
If you do not have sufficient equity in your home to add your prepayment penalty and/or other refinancing costs into your new HUD FHA Mortgage, then you should ask your lender to consider a second mortgage to pay the difference or a short payoff on your existing loan. Offering either of these options is at the discretion of the lender.

Does it matter that the value of my home is now less than what I still owe?
Not to The FHA, but your current lender will have to be willing to accept a short payoff on the existing loan OR to hold a second mortgage to make up the difference needed to pay off the existing mortgage and the home’s value.


FHA Mortgage   |   FHA Refinance   |   FHA LOAN REQUIREMENTS   |   FHA MORTGAGE CALCULATOR   |   FHA MORTGAGE RATES

Copyright © 2008 - 2011 FHA-101.com. All Rights Reserved
Privacy Policy | FHA Loan Limits | FHA Mortgage Blog | Resources | Site Map | LOANS-101
FHA-101.com is not a lender or broker and does not offer mortgages. FHA-101.com is not affiliated with HUD or FHA and is not a government agency. FHA-101.com provides information about mortgages and home loans. FHA-101.com does not offer mortgages or home loans directly or indirectly. FHA-101.com is not responsible for the accuracy of information and/or interest rates, APR or mortgage information posted by brokers, lenders, banks or other advertisers.