USDA Loans in Kansas

The great state of Kansas has many attractive and vibrant communities. And now, with help from the USDA Loan program, many of these beautiful areas just got stronger. Backed by the Department of Agriculture, this Rural Development Loan Program is designed to make home buying more attainable for Kansas residents looking to purchase homes outside of major metropolitan areas.

Benefits of the Kansas USDA Loan program include:

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for Kansas Residents
  • NO PMI and no Money Down

Kansas Areas that Qualify for Rural Development Loans

Do not think of USDA Loans as loans for agriculture. Instead, think of them as ways to help build stronger communities. While major cities are not eligible, many properties lying just outside of those major metropolitan areas are Rural Development Loan eligible.

For this reason, you should never assume that a Kansas property does not qualify for a Rural Development Loan.  The experts here at Consumer Real Estate are here to help, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Kansas’s USDA Loan Income Limits By County

Your Rural Development Loan Eligibility is determined by three main factors: Credit Worthiness, Where You Live and Income.

Concerning income restriction, you will need to be able document your past income. This will help the USDA determine if you fall within their income limits range. For Kansas residents, your annual income cannot exceed the limit set for your county:

Kansas USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

NON-METRO

ALLEN

$73,600

$97,150

NON-METRO

ANDERSON

$73,600

$97,150

ATCHISON, KS (MICRO)

ATCHISON

$73,600

$97,150

NON-METRO

BARBER

$73,600

$97,150

GREAT BEND, KS (MICRO)

BARTON

$73,600

$97,150

NON-METRO

BOURBON

$73,600

$97,150

NON-METRO

BROWN

$73,600

$97,150

WICHITA, KS (MSA)

BUTLER

$73,600

$97,150

EMPORIA, KS (MICRO)

CHASE

$73,600

$97,150

NON-METRO

CHAUTAUQUA

$73,600

$97,150

NON-METRO

CHEROKEE

$73,600

$97,150

NON-METRO

CHEYENNE

$73,600

$97,150

NON-METRO

CLARK

$73,600

$97,150

NON-METRO

CLAY

$73,600

$97,150

NON-METRO

CLOUD

$73,600

$97,150

NON-METRO

COFFEY

$73,600

$97,150

NON-METRO

COMANCHE

$73,600

$97,150

WINFIELD, KS (MICRO)

COWLEY

$73,600

$97,150

PITTSBURG, KS (MICRO)

CRAWFORD

$73,600

$97,150

NON-METRO

DECATUR

$73,600

$97,150

NON-METRO

DICKINSON

$73,600

$97,150

ST. JOSEPH, MO-KS (MSA)

DONIPHAN

$73,600

$97,150

LAWRENCE, KS (MSA)

DOUGLAS

$73,600

$97,150

NON-METRO

EDWARDS

$73,600

$97,150

NON-METRO

ELK

$73,600

$97,150

HAYS, KS (MICRO)

ELLIS

$73,600

$97,150

NON-METRO

ELLSWORTH

$73,600

$97,150

GARDEN CITY, KS (MICRO)

FINNEY

$73,600

$97,150

DODGE CITY, KS (MICRO)

FORD

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

FRANKLIN

$73,600

$97,150

MANHATTAN, KS (MICRO)

GEARY

$73,600

$97,150

NON-METRO

GOVE

$73,600

$97,150

NON-METRO

GRAHAM

$73,600

$97,150

NON-METRO

GRANT

$73,600

$97,150

NON-METRO

GRAY

$73,600

$97,150

NON-METRO

GREELEY

$73,600

$97,150

NON-METRO

GREENWOOD

$73,600

$97,150

NON-METRO

HAMILTON

$73,600

$97,150

NON-METRO

HARPER

$73,600

$97,150

WICHITA, KS (MSA)

HARVEY

$73,600

$97,150

NON-METRO

HASKELL

$73,600

$97,150

NON-METRO

HODGEMAN

$73,600

$97,150

TOPEKA, KS (MSA)

JACKSON

$73,600

$97,150

TOPEKA, KS (MSA)

JEFFERSON

$73,600

$97,150

NON-METRO

JEWELL

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

JOHNSON

$73,600

$97,150

NON-METRO

KEARNY

$73,600

$97,150

NON-METRO

KINGMAN

$73,600

$97,150

NON-METRO

KIOWA

$73,600

$97,150

PARSONS, KS (MICRO)

LABETTE

$73,600

$97,150

NON-METRO

LANE

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

LEAVENWORTH

$73,600

$97,150

NON-METRO

LINCOLN

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

LINN

$73,600

$97,150

NON-METRO

LOGAN

$73,600

$97,150

EMPORIA, KS (MICRO)

LYON

$73,600

$97,150

NON-METRO

MARION

$73,600

$97,150

NON-METRO

MARSHALL

$73,600

$97,150

MCPHERSON, KS (MICRO)

MCPHERSON

$73,600

$97,150

NON-METRO

MEADE

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

MIAMI

$73,600

$97,150

NON-METRO

MITCHELL

$73,600

$97,150

COFFEYVILLE, KS (MICRO)

MONTGOMERY

$73,600

$97,150

NON-METRO

MORRIS

$73,600

$97,150

NON-METRO

MORTON

$73,600

$97,150

NON-METRO

NEMAHA

$73,600

$97,150

NON-METRO

NEOSHO

$73,600

$97,150

NON-METRO

NESS

$73,600

$97,150

NON-METRO

NORTON

$73,600

$97,150

TOPEKA, KS (MSA)

OSAGE

$73,600

$97,150

NON-METRO

OSBORNE

$73,600

$97,150

SALINA, KS (MICRO)

OTTAWA

$73,600

$97,150

NON-METRO

PAWNEE

$73,600

$97,150

NON-METRO

PHILLIPS

$73,600

$97,150

MANHATTAN, KS (MICRO)

POTTAWATOMIE

$73,600

$97,150

NON-METRO

PRATT

$73,600

$97,150

NON-METRO

RAWLINS

$73,600

$97,150

HUTCHINSON, KS (MICRO)

RENO

$73,600

$97,150

NON-METRO

REPUBLIC

$73,600

$97,150

NON-METRO

RICE

$73,600

$97,150

MANHATTAN, KS (MICRO)

RILEY

$73,600

$97,150

NON-METRO

ROOKS

$73,600

$97,150

NON-METRO

RUSH

$73,600

$97,150

NON-METRO

RUSSELL

$73,600

$97,150

SALINA, KS (MICRO)

SALINE

$73,600

$97,150

NON-METRO

SCOTT

$73,600

$97,150

WICHITA, KS (MSA)

SEDGWICK

$73,600

$97,150

LIBERAL, KS (MICRO)

SEWARD

$73,600

$97,150

TOPEKA, KS (MSA)

SHAWNEE

$73,600

$97,150

NON-METRO

SHERIDAN

$73,600

$97,150

NON-METRO

SHERMAN

$73,600

$97,150

NON-METRO

SMITH

$73,600

$97,150

NON-METRO

STAFFORD

$73,600

$97,150

NON-METRO

STANTON

$73,600

$97,150

NON-METRO

STEVENS

$73,600

$97,150

WICHITA, KS (MSA)

SUMNER

$73,600

$97,150

NON-METRO

THOMAS

$73,600

$97,150

NON-METRO

TREGO

$73,600

$97,150

TOPEKA, KS (MSA)

WABAUNSEE

$73,600

$97,150

NON-METRO

WALLACE

$73,600

$97,150

NON-METRO

WASHINGTON

$73,600

$97,150

NON-METRO

WICHITA

$73,600

$97,150

NON-METRO

WILSON

$73,600

$97,150

NON-METRO

WOODSON

$73,600

$97,150

KANSAS CITY, MO-KS (MSA)

WYANDOTTE

$73,600

$97,150

 

Remember, Consumer Real Estate is here to answer all your questions.  For help applying for a Kansas Rural Development loan, contact us today.