Jumbo mortgage loans in Kansas free you from many of the complexities that come with financing a large home.
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JD MORTGAGE® connects you with lenders offering low to no down payment mortgages designed specifically for high-income professionals. We find the lenders that allow jumbo loan balances, relaxed debt-to-income ratios and typically do not require private mortgage insurance (PMI).
Offered exclusively through Biglaw Investor, we make it incredibly simple to find the best mortgage for your home financing needs.
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Perhaps the most iconic of the Great Plains states, Kansas boasts rolling hills and vast beautiful prairies. In between all that expanse are lovely communities that attract people for their high quality of life and midwestern values like Overland Park, Kansas City and Wichita.
Unfortunately, affording a home is not so easy these days, however, even in Kansas. Whether you live in the city or in the country, home prices are going up on the real estate market. According to the Kansas Association of Realtors, the average purchase price of a home in Kansas is $260,366. In some areas of the state, especially in metro areas, home prices are getting higher than the limits on conventional loans, making it harder to finance a single-family home.
For the most recent year, the HDMA data places Kansas 35th in the country in terms of mortgage origination activity, with a total of $1.395 billion in jumbo mortgages originated. That means that plenty of the citizens of Kansas are turning to these financial products.
The jumbo loan limit in Kansas is $726,200 for all counties in the state. Any loan that exceeds $726,200 is a jumbo loan in the state of Kansas. Any loan that is less than $726,200 is a conforming loan in the state of Kansas.
| Kansas County | Kansas Jumbo loan (1-unit) | Kansas Conforming loan limit (1-unit) | Kansas FHA loan limit (1-unit) |
|---|---|---|---|
| Allen | $726,200+ | $726,200 | $420,680 |
| Anderson | $726,200+ | $726,200 | $420,680 |
| Atchison | $726,200+ | $726,200 | $420,680 |
| Barber | $726,200+ | $726,200 | $420,680 |
| Barton | $726,200+ | $726,200 | $420,680 |
| Bourbon | $726,200+ | $726,200 | $420,680 |
| Brown | $726,200+ | $726,200 | $420,680 |
| Butler | $726,200+ | $726,200 | $420,680 |
| Chase | $726,200+ | $726,200 | $420,680 |
| Chautauqua | $726,200+ | $726,200 | $420,680 |
| Cherokee | $726,200+ | $726,200 | $420,680 |
| Cheyenne | $726,200+ | $726,200 | $420,680 |
| Clark | $726,200+ | $726,200 | $420,680 |
| Clay | $726,200+ | $726,200 | $420,680 |
| Cloud | $726,200+ | $726,200 | $420,680 |
| Coffey | $726,200+ | $726,200 | $420,680 |
| Comanche | $726,200+ | $726,200 | $420,680 |
| Cowley | $726,200+ | $726,200 | $420,680 |
| Crawford | $726,200+ | $726,200 | $420,680 |
| Decatur | $726,200+ | $726,200 | $420,680 |
| Dickinson | $726,200+ | $726,200 | $420,680 |
| Doniphan | $726,200+ | $726,200 | $420,680 |
| Douglas | $726,200+ | $726,200 | $420,680 |
| Edwards | $726,200+ | $726,200 | $420,680 |
| Elk | $726,200+ | $726,200 | $420,680 |
| Ellis | $726,200+ | $726,200 | $420,680 |
| Ellsworth | $726,200+ | $726,200 | $420,680 |
| Finney | $726,200+ | $726,200 | $420,680 |
| Ford | $726,200+ | $726,200 | $420,680 |
| Franklin | $726,200+ | $726,200 | $420,680 |
| Geary | $726,200+ | $726,200 | $420,680 |
| Gove | $726,200+ | $726,200 | $420,680 |
| Graham | $726,200+ | $726,200 | $420,680 |
| Grant | $726,200+ | $726,200 | $420,680 |
| Gray | $726,200+ | $726,200 | $420,680 |
| Greeley | $726,200+ | $726,200 | $420,680 |
| Greenwood | $726,200+ | $726,200 | $420,680 |
| Hamilton | $726,200+ | $726,200 | $420,680 |
| Harper | $726,200+ | $726,200 | $420,680 |
| Harvey | $726,200+ | $726,200 | $420,680 |
| Haskell | $726,200+ | $726,200 | $420,680 |
| Hodgeman | $726,200+ | $726,200 | $420,680 |
| Jackson | $726,200+ | $726,200 | $420,680 |
| Jefferson | $726,200+ | $726,200 | $420,680 |
| Jewell | $726,200+ | $726,200 | $420,680 |
| Johnson | $726,200+ | $726,200 | $420,680 |
| Kearny | $726,200+ | $726,200 | $420,680 |
| Kingman | $726,200+ | $726,200 | $420,680 |
| KKansas | $726,200+ | $726,200 | $420,680 |
| Labette | $726,200+ | $726,200 | $420,680 |
| Lane | $726,200+ | $726,200 | $420,680 |
| Leavenworth | $726,200+ | $726,200 | $431,250 |
| Lincoln | $726,200+ | $726,200 | $420,680 |
| Linn | $726,200+ | $726,200 | $431,250 |
| Logan | $726,200+ | $726,200 | $420,680 |
| Lyon | $726,200+ | $726,200 | $420,680 |
| Mcpherson | $726,200+ | $726,200 | $420,680 |
| Marion | $726,200+ | $726,200 | $420,680 |
| Marshall | $726,200+ | $726,200 | $420,680 |
| Meade | $726,200+ | $726,200 | $420,680 |
| Miami | $726,200+ | $726,200 | $431,250 |
| Mitchell | $726,200+ | $726,200 | $420,680 |
| Montgomery | $726,200+ | $726,200 | $420,680 |
| Morris | $726,200+ | $726,200 | $420,680 |
| Morton | $726,200+ | $726,200 | $420,680 |
| Nemaha | $726,200+ | $726,200 | $420,680 |
| Neosho | $726,200+ | $726,200 | $420,680 |
| Ness | $726,200+ | $726,200 | $420,680 |
| Norton | $726,200+ | $726,200 | $420,680 |
| Osage | $726,200+ | $726,200 | $420,680 |
| Osborne | $726,200+ | $726,200 | $420,680 |
| Ottawa | $726,200+ | $726,200 | $420,680 |
| Pawnee | $726,200+ | $726,200 | $420,680 |
| Phillips | $726,200+ | $726,200 | $420,680 |
| Pottawatomie | $726,200+ | $726,200 | $420,680 |
| Pratt | $726,200+ | $726,200 | $420,680 |
| Rawlins | $726,200+ | $726,200 | $420,680 |
| Reno | $726,200+ | $726,200 | $420,680 |
| Republic | $726,200+ | $726,200 | $420,680 |
| Rice | $726,200+ | $726,200 | $420,680 |
| Riley | $726,200+ | $726,200 | $420,680 |
| Rooks | $726,200+ | $726,200 | $420,680 |
| Rush | $726,200+ | $726,200 | $420,680 |
| Russell | $726,200+ | $726,200 | $420,680 |
| Saline | $726,200+ | $726,200 | $420,680 |
| Scott | $726,200+ | $726,200 | $420,680 |
| Sedgwick | $726,200+ | $726,200 | $420,680 |
| Seward | $726,200+ | $726,200 | $420,680 |
| Shawnee | $726,200+ | $726,200 | $420,680 |
| Sheridan | $726,200+ | $726,200 | $420,680 |
| Sherman | $726,200+ | $726,200 | $420,680 |
| Smith | $726,200+ | $726,200 | $420,680 |
| Stafford | $726,200+ | $726,200 | $420,680 |
| Stanton | $726,200+ | $726,200 | $420,680 |
| Stevens | $726,200+ | $726,200 | $420,680 |
| Sumner | $726,200+ | $726,200 | $420,680 |
| Thomas | $726,200+ | $726,200 | $420,680 |
| Trego | $726,200+ | $726,200 | $420,680 |
| Wabaunsee | $726,200+ | $726,200 | $420,680 |
| Wallace | $726,200+ | $726,200 | $420,680 |
| Washington | $726,200+ | $726,200 | $420,680 |
| Wichita | $726,200+ | $726,200 | $420,680 |
| Wilson | $726,200+ | $726,200 | $420,680 |
| Woodson | $726,200+ | $726,200 | $420,680 |
| Wyandotte | $726,200+ | $726,200 | $431,250 |
Conforming loan limits are set by the Federal Housing Finance Agency (FHFA), the government agency which oversees Fannie Mae and Freddie Mac, the two home mortgage companies that buy most of the home loans made in the U.S. from mortgage lenders and resell them to private investors.
If you’re in the market for a home in Kansas, consider these jumbo mortgage loans that are available to state residents.
Flagstar Bank has a jumbo product in all 50 states, making it a popular choice among many people looking for higher mortgage amounts. If you’re considering a jumbo mortgage, you’ll want to compare Flagstar’s rates as part of your analysis.
We reached out to a loan officer at Flagstar Bank to get details on their jumbo mortgage. Here are the highlights:
When you’re ready to connect with a loan officer experienced in jumbo mortgages, use our form to quickly match with jumbo loan programs based on your specific circumstances.
SoFi is a financial institution based in California that specializes in student loan refinance options, PLUS loans and flexible repayment terms. You might not know that they also offer jumbo loan mortgages.
We spoke to a loan officer at SoFi to discuss their jumbo loan mortgage and this is what we learned:
When you’re ready to connect with a loan officer experienced in jumbo mortgages, use our form to quickly match with jumbo loan programs based on your specific circumstances.
Huntington Bank is the 26th largest bank in the United States. Operating primarily out of the Midwest, their mortgage group can service a large part of the country. Huntington has a competitive jumbo loan product with no money down financing options.
We contacted a loan officer at Huntington Bank to gather information about the jumbo mortgage and here’s what we heard back:
When you’re ready to connect with a loan officer experienced in jumbo mortgages, use our form to quickly match with jumbo loan programs based on your specific circumstances.
When would-be buyers want to finance a large or expensive property in Kansas, they have two options with conventional loans. One is to put down a huge down payment that counterbalances the limits on these loans. In other words, if a property has a price tag of 1.2 million, a borrower would have to put down 600k to get a conventional mortgage. The second option would be to take out several different mortgages at once, which can make for a very complicated financial picture.
The main advantage of a jumbo loan is that you can finance an expensive home with just a single mortgage. The limits on jumbo loans are much higher, meaning that you will very likely be able to finance a larger purchase with just one jumbo loan. This makes for a much easier process.
Another advantage? You most likely won’t have to put down a large down payment. In some cases, you may be able to put down far less than the usual 20 percent expected on many conventional loans.
Is a Kansas jumbo loan right for you? Start off by looking at your credit score. Is it in good shape? Then you might be moving in the right direction with a Kansas jumbo loan. These loans require stellar credit and low debt-to-income ratios, due to the risk exposure banks have with these loans.
Are you okay with paying a higher interest rate? These loans can come with higher interest rates, so keep this in mind. Many Kansans are fine with paying more for the ease of financing that comes with a jumbo loan. If that sounds like you, then looking into jumbo loans may well make sense for you.
If you want to find the best jumbo loans in other states, click on your state below.
Joshua Holt is a licensed mortgage loan originator (NMLS #2306824) and founder of Biglaw Investor. His mortgage expertise lies in the areas of professional mortgage loans, particularly for lawyers, doctors and other high-income professionals. Prior to Biglaw Investor, Josh practiced private equity mergers & acquisition law for one of the largest law firms in the country.
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