FHA VS Conventional loan programs in 2026 for Fort-Atkinson, Jefferson County, Wisconsin

As of 2026, the Conventional loan limit for a single-family home in Fort-Atkinson, located in Jefferson county, WI, is set at $647,200. Meanwhile, the FHA limit is established at $420,680.

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With Lendersa® Modern loan calculator, you’re able to compare today's best rates for Conventional, FHA, and USDA loans. This tool helps you determine what income, credit, reserves, and documentation you need. By viewing Conforming Conventional, USDA, FHA, and VA loans side by side, you can easily identify which plan in WI aligns with your specific financial needs.

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Understanding loan limits and down payments for 2026 in Fort-Atkinson, Jefferson county, WI

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table pertains to zip codes including: 53538

Exploring Conventional and FHA loans in Fort-Atkinson, WI

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Fort-Atkinson Lenders


  • Badger Bank Fort Atkinson
  • 220 Grant St, Fort Atkinson, WI, 53538
  • Lends in Wisconsin

  • Badger Bank will be a strong, growing, independent community bank that strives to achieve customer loyalty, employee success.

    In July of 1884, a State-chartered bank opened its doors for the first time at 218 South Main Street, Fort Atkinson. Citizens State Bank (now known as Badger Bank) was established by Congressman L. B. Caswell

  • Fort Community Credit Union
  • 800 Madison Av, Fort Atkinson, WI, 53538
  • Lends in Wisconsin

  • FCCU, and welcome to the cooperative side of the financial world! FCCU has been growing roots in Southeast Wisconsin since 1940 when employees of Moe Light, in Fort Atkinson, pooled their paychecks together to begin the credit union. Since then, the credit union has expanded by building branches in Jefferson, Watertown, and Whitewater.

  • First Community Bank Milton
  • 202 Merchant Row, Milton, WI, 53563
  • Lends in Wisconsin

  • First Community Bank was originally founded under the name of the Farmers Bank. It opened its doors for business on July 17, 1911. The original officers of the Farmers Bank were John A Paul, President, John H. Owen, Vice-President and Alexander M. Paul, Cashier. Directors of the bank were John A. Paul, Alexander M. Paul, John H. Owen, S.C Chambers.

  • Bank of Lake Mills
  • 136 E Madison Street, Lake Mills, WI, 53551
  • Lends in Wisconsin

  • Bank of Lake Mills was organized in 1893 by S. A. Reed, E. J. Fargo, L. D. Fargo, David Gardner, B. J. Silliman, R. E. Favill, Robert Fargo, William Everson and Conrad Engsberg. The bank was built despite the numerous bank failures that occurred that same year.

    In 1919, Emil Neupert joined Bank of Lake Mills and became Bank President.

  • Avestar Credit Union
  • 125 W Madison Street, Waterloo, WI, 53594
  • Lends in Wisconsin

  • Avestar Credit Union is committed to providing its members sound and dependable financial service. We will provide loans to the community in a prudent and sound manner in accordance with our written policy. Our members will receive a fair and competitive return on their investments while we maintain the financial stability of the credit union.

  • Loans 4 Homes
  • 1833 Executive Drive, Suite 105, Oconomowoc, WI, 53066
  • Lends in Wisconsin

  • LOANS 4 HOMES is committed to providing our clients with the highest quality financial services combined with low, competitive rates. At LOANS 4 HOMES, our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs

  • BANK FIVE NINE
  • 155 W. Wisconsin Ave, Oconomowoc, WI, 53066
  • Lends in Wisconsin

  • Bank Five Nine is a full-service, independent, community bank that has served southeast Wisconsin since 1859.We enjoy long, quiet walks on the beach, puppies and romantic dinners. Nah, we're too old for all that, but we're still pretty cool, and we do actually love puppies. As a community bank, we make it a priority to give back to the customers.

  • First Wisconsin Financial
  • 110 N Main St, Oconomowoc, WI, 53066
  • Lends in Wisconsin

  • First Wisconsin Financial, Inc., I take a dynamic approach to home financing by shopping all of the major mortgage lenders and securing the most competitive rate for my clients and also This firm offers mortgages including purchases, refinancing, home equity loans and debt consolidation

  • Summit Credit Union
  • 1709 Landmark Dr, Cottage Grove, WI, 53527
  • Lends in Wisconsin

  • Summit, we’re all about helping you turn wishing, waiting and wondering into planning, doing and experiencing. We offer the basic products you want, like checking and savings accounts, credit cards and loans. And we go one step further, providing financial guidance, education, tools, one-on-one coaching and innovative programs to empower.
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