FHA VS Conventional loan programs in Lake-Mills, Jefferson County, Wisconsin

In 2026, the limit for a Conventional loan in Lake-Mills, county of Jefferson, WI, is $647,200, whereas the FHA loan limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare the best today's rates for Conventional, FHA, and USDA loans. Establish potential eligibility by reviewing income, credit, reserves, and necessary documentation. Our sophisticated mortgage calculator lets you evaluate Conforming Conventional loans alongside USDA, FHA, and VA loans, helping you select the most suitable program for your financial needs in WI.

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2026 Loan Limits and Downpayment Requirements in Lake-Mills, Jefferson, WI

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

This table applies to zip codes: 53551

Exploring Conventional and FHA Loan Options in Lake-Mills, WI

At Lendersa®, our aim is to swiftly provide you with the best Conventional, USDA, or FHA loan options without hassle. Begin with one of three pathways leading to matching lenders and loan programs.

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Lake-Mills 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.

  • 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.

  • 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.

  • Bank of Sun Prairie
  • 228 East Main Street, Sun Prairie, WI, 53590
  • Lends in Wisconsin
  • Our Mission is to become the trusted advisor for families, businesses and the community offering a complete range of financial services. Our tailored customer centric approach enables flexibility and solutions that position our clients for success not only today, but every day in the future.

  • Educated Mortgage Services, LLC
  • 100 Wilburn Rd, Suite 102, Sun Prairie, WI, 53590
  • Lends in Wisconsin
  • Educated Mortgage Services is a Mortgage Banker and Broker company licensed in Wisconsin & Illinois with an experienced staff offering expertise in every area of mortgage lending. We offer a full range of mortgage products to offer one stop shopping for all clients. We are dedicated to finding the right loan.

  • 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.

  • Farmers & Merchants Union Bank
  • 159 W James St, Columbus, WI, 53925
  • Lends in Wisconsin
  • We are community banking at its best! Based in Columbus, Fall River, Friesland, Juneau and Rio, Wisconsin, we have been serving your banking needs since 1861. We are dedicated to your best interests in a way only a community bank can understand, bringing you the best of modern banking technology.