VA loans in Manhattan.
The Riley County figure on this page is a county reference only, not an address-based lookup for Manhattan. Confirm the property's county, and which local offices serve the address, before relying on it.
Riley County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Riley County (FIPS 20161)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Riley County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Manhattan. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionManhattan permits are issued by the Fire Department's Risk Reduction Division
The City of Manhattan says Risk Reduction, a division of the Manhattan Fire Department, enforces city health and safety ordinances. Its code officers review plans and issue building permits for new construction, additions and alterations, along with moving, curb cut, mobile home, electrical, mechanical and plumbing permits and contractor licenses.
The division announced a move to a new licensing and permitting portal in June, noting that inspections for already-issued permits continued and could be requested by phone or email during the transition. Practical step: for a Manhattan purchase, ask Risk Reduction, not a county office, about permits and final inspections for the address. Older records may have been migrated between systems.
Riley County flood resources include Tuttle Creek Dam inundation maps
Riley County's floodplain page links to its interactive Flood Hazard Area map, the FEMA floodplain map, and Tuttle Creek Dam failure evacuation and inundation zone maps from both the Army Corps of Engineers and the county. It also posts 1993 historic flood maps and a City of Manhattan floodplain information link.
The County states that building in the floodplain requires a Floodplain Development Permit and lists a county floodplain manager contact. Practical step: check the address on both the FEMA map and the dam inundation maps. Ask the lender and an insurance agent what any designation means, since a map lookup is not a determination for a specific home.
- FHFA — Conforming loan limit values
- City of Manhattan — Risk Reduction Division
- Riley County — Floodplain Information
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in KS.
$0 down in Manhattan. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of KS veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Manhattan, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Manhattan purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Manhattan — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Manhattan is Riley County (FIPS 20161), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Manhattan with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Manhattan — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.