To update your page for the 2026 market, we have adjusted all loan limits to reflect the current HUD and FHFA guidelines. In 2026, FHA limits for the Kansas City metro (including counties like Johnson, Wyandotte, and Jackson) have increased to a baseline “floor” of $541,287 for single-family homes.
At Metropolitan Mortgage, we make Kansas and Missouri home loans simple, with a focus on FHA loans Kansas City. Whether you’re a first-time homebuyer in Brookside, Refinancing in Overland Park, or exploring VA loans in Lee’s Summit, our local expertise and personalized service ensure a stress-free process. Based at 7280 NW 87th Terrace Suite 200, Kansas City, MO 64153, we’ve helped over 10,000 families secure $2 billion in loans.
With 2026 FHA loan limits up to $541,287 for single-family homes, now’s the time to buy or refinance in the Kansas City metro. Get Pre-Approved Today or call us at (855) 313-2480.
1. Why Choose Us
Why Choose Metropolitan Mortgage for Kansas City FHA Loans?
With over 25 years serving Kansas and Missouri, Metropolitan Mortgage is your trusted partner for FHA loans and other home financing solutions. Here’s why we stand out:
- Same-Day Pre-Approvals: Fast approvals to strengthen your offers in Kansas City’s competitive market.
- Flexible Availability: Evening and weekend consultations to fit your schedule.
- Local Expertise: Deep knowledge of Kansas City neighborhoods like Westport, Mission Hills, and Independence.
- Proven Trust: Over 10,000 families served with $2 billion in funded loans.
- Personalized Service: Dedicated loan officers tailor solutions for first-time buyers, veterans, and self-employed borrowers.
FHA loans in Kansas City are perfect for those seeking low down payments (as little as 3.5%) and flexible credit requirements (starting at 580). Our team at Metropolitan Mortgage simplifies the process, ensuring you close in 30-45 days.
Explore HUD’s FHA Resources | Meet Our Kansas City Team Leader
2. FHA Benefits and Requirements
FHA Loans Kansas City: Benefits and Requirements
FHA loans, insured by the Federal Housing Administration, are ideal for Kansas City buyers navigating 2026’s market conditions. These government-backed loans reduce lender risk, offering lower interest rates and easier qualifications. Check our daily FHA mortgage interest rates here to see how they compare to conventional loan options.
Benefits of FHA Loans
- Low Down Payment: Only 3.5% for credit scores of 580+, significantly lower than traditional 20% down payments.
- Flexible Credit: Qualify with a 580 score for 3.5% down; 500-579 with 10% down.
- Affordable Insurance: FHA mortgage insurance premium (MIP) ensures affordability without PMI cancellation issues.
- Versatile Properties: Covers single-family homes, condos, townhomes, and up to four-unit properties.
- First-Time Buyer Friendly: Flexible guidelines designed for those entering the market for the first time.
2026 FHA Loan Requirements
To qualify for FHA loans Kansas City in 2026, you’ll need:
- Credit Score: 580+ for 3.5% down; 500-579 for 10% down. Debt-to-income (DTI) ratio typically under 43%.
- Income Stability: Proof of steady income, typically two years of employment or tax returns for self-employed individuals.
- Property Standards: The home must pass an FHA appraisal to ensure it meets safety and value standards.
2026 FHA Loan Limits (Kansas City Metro)
| Property Type | 2026 Loan Limit |
| Single-Family (One-Unit) | $541,287 |
| Duplex (Two-Units) | $693,050 |
| Tri-Plex (Three-Units) | $837,700 |
| Four-Plex (Four-Units) | $1,041,125 |
Source: HUD 2026 Mortgagee Letter 2025-23
3. Loan Program Comparison
Explore All Kansas and Missouri Home Loan Programs
Beyond FHA loans, we offer tailored solutions for every buyer in Kansas City and beyond:
- Conventional Loans
- Baseline conforming limits have risen to $832,750 in 2026; ideal for buyers with credit scores of 620+.
- VA Loans
- Zero-down options specifically for veterans and active-duty military.
- Jumbo Loans
- For high-value properties exceeding $832,750 in most Kansas City counties.
- Refinance Loans
- Access equity or lower payments via FHA Streamline or conventional refinancing.
4. The Loan Process and Testimonials
The FHA Loan Process with Metropolitan Mortgage
Our streamlined process gets you from application to closing in 30-45 days:
- Consultation: Free 30-minute call to discuss goals and finances.
- Pre-Approval: Submit documents for a 90-day pre-approval letter.
- Home Search: Shop confidently with our local realtor partners.
- Underwriting & Appraisal: We manage FHA paperwork and property inspections.
- Closing: Sign in-person at our Kansas City office or virtually.
Client Testimonials
- “Metropolitan Mortgage made our FHA loan in Kansas City seamless—approved in weeks!” – Sarah M., Kansas City, MO ⭐⭐⭐⭐⭐
- “Their local expertise helped us secure a low-rate VA loan in Overland Park.” – Michael L., Missouri ⭐⭐⭐⭐⭐
- “Rick was always available, making our jumbo loan process stress-free!” – Joni P., Kansas ⭐⭐⭐⭐⭐
5. Tools, Blog, and FAQ
Mortgage Calculator
Estimate your monthly payments with our interactive tool. Adjust loan amount, rate, and term to fit your budget.
Frequently Asked Questions About Kansas City Home Loans
What is the minimum down payment for an FHA loan in Kansas City in 2026?
For borrowers with a credit score of 580 or higher, the minimum down payment is 3.5%.
What are the 2026 FHA loan limits in Kansas City?
The 2026 “floor” for single-family homes in the Kansas City metro is $541,287. Multi-unit limits reach up to $1,041,125 for four-plexes.
Can I qualify for an FHA loan with a low credit score?
Yes, scores from 500-579 qualify with a 10% down payment, while 580+ allows for just 3.5% down.