Kansas City, MO Mortgage Calculator
Estimate your monthly mortgage payment in Kansas City including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,743
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $200,000
LTV: 0.01%
P&I Payment
$1,324
Total Interest
$276,602
over loan life
Payoff
30 yr
Closing Costs
$3,638–$6,790
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,324 | $166 | $1,158 | $199,834 | $1,158 |
| 2 | $1,324 | $167 | $1,157 | $199,668 | $2,316 |
| 3 | $1,324 | $167 | $1,156 | $199,500 | $3,472 |
| 4 | $1,324 | $168 | $1,155 | $199,332 | $4,628 |
| 5 | $1,324 | $169 | $1,154 | $199,163 | $5,782 |
| 6 | $1,324 | $170 | $1,153 | $198,992 | $6,936 |
| 7 | $1,324 | $171 | $1,153 | $198,821 | $8,088 |
| 8 | $1,324 | $172 | $1,152 | $198,648 | $9,240 |
| 9 | $1,324 | $173 | $1,151 | $198,475 | $10,390 |
| 10 | $1,324 | $174 | $1,150 | $198,301 | $11,540 |
| 11 | $1,324 | $175 | $1,148 | $198,125 | $12,688 |
| 12 | $1,324 | $176 | $1,147 | $197,949 | $13,835 |
Months 1–12 of 360
2025 Loan Limits — Jackson County, MO
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Kansas City Mortgage
What is the average mortgage payment in Kansas City?
Based on the median home value of $250,000 in Kansas City, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Kansas City?
The 2025 FHA loan limit for Kansas City (Jackson County) is $524,225.
What is the conforming loan limit in Kansas City?
The 2025 conforming loan limit for Kansas City is $806,500. Loans above this are considered jumbo.