VA Loan Limits in Kansas (2026)
For 2026, the VA county loan limit for most Kansas counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Kansas has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Kansas — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Kansas
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Johnson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sedgwick County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Shawnee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Leavenworth County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Riley County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Butler County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Reno County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Saline County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Crawford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Geary County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Finney County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lyon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Harvey County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cowley County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ellis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Miami County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Atchison County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wyandotte County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Douglas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Kansas's median home price is roughly $235,000. With $0 down and no PMI, an example VA payment near that price is about $1,871/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Kansas
The VA home-loan benefit lets eligible Kansas veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Kansas for 2026?
- With full entitlement, none. For partial entitlement, most Kansas counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Kansas require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.