Explore the differences! FHA VS Conventional loan programs in Johnson-Creek, Jefferson County, Wisconsin

For 2026, the conventional loan limit in Johnson-Creek, Jefferson county, WI is $647,200, while for a single-family home, the FHA limit is $420,680.

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Loan Calculator Comparison

Utilize Lendersa®'s Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit eligibility, reserves, and documents required for qualification. Our modern mortgage tool provides a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you select the best program for your financial needs in WI.

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2026 Loan Limits and Down Payment Requirements in Johnson-Creek, Jefferson County, WI

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

Comparison applies to zip codes: 53038

Explore Conventional and FHA Loan Options in Johnson-Creek, WI

The goal at Lendersa® is to secure the best Conventional, USDA, or FHA loan swiftly and without hassle. Choose one of three starting paths for matching lenders and loan programs.

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Johnson-Creek Lenders


  • 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.

  • Ixonia Bank
  • WI046 Marietta Avenue, Ixonia, WI, 53036
  • Lends in Wisconsin

  • For over 100 years, Ixonia Bank has been a locally owned, independent community bank. Experience the benefits of community banking at its best - fast decision-making, customized solutions, local expertise, and responsive, and flexible service. And most importantly experience relationships built on trust and understanding.

  • 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.

  • 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

  • Hustisford State Bank
  • 200 South Lake Street, Hustisford, WI, 53034
  • Lends in Wisconsin

  • The goal of the Hustisford State Bank has been and continues to be to provide quality personal service to our customers. Hustisford State Bank is committed to remain an independent community bank and will continue to strive to provide quality services to its customers, which are its most valuable asset.
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