Explore the differences! FHA VS Conventional loan programs in Merrill, Lincoln County, Wisconsin

In 2025, the conventional loan limit for Merrill in Lincoln county, WI, is set at $726,200, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding your decision for the best program in WI suited to your financial situation.

View loan offers from more than 100 lenders

2025 Loan Limits and Down Payment Requirements for Merrill, Lincoln, WI

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table applies to zip codes: 54452

Options for Conventional and FHA Loans in Merrill, WI

Lendersa® aims to swiftly and easily connect you with the best Conventional, USDA, or FHA loans available. Select one of the three starting points to find suitable lenders and loan programs.

Results from Lendersa USDA loan requests


  • Home Loan Specialists
  • 36139 Schoolcraft Rd, Livonia, MI, 48150
  • Home Loan Specialists was established in 1997. As an affiliate branch of Mortgage One, we have been providing residential loans in Michigan for more than 20 years. In that time frame, we have closed well over $1 Billion in mortgage transactions. We are a full-service mortgage lender offering all types of mortgage options.
  • Total Home Lending
  • 36887 Schoolcraft Road, Livonia, MI, 48150
  • At Total Home Lending, Our goal is simple, We want to match you with the best program to fit your needs and make the process as easy as possible. We are always on the lookout for talented individuals that share our philosophy Our Loan Officers have been doing business for over 20 years.
  • Lewis Financial Mortgage
  • 401 South Old Woodward Avenue, Suite 333, Birmingham, MI, 48009
  • So, this is how we roll — you are dealing directly with me, Keith Lewis and my assistant Angela on every transaction and we have been in the mortgage business together since 1996. Wow, that is a long time. We help guide you through an extremely complicated process seamlessly and in a manner that is best for your lifestyle.
  • Best Rate
  • 1935 Villa Road, Birmingham, MI, 48009
  • Best Rate is a Michigan-based mortgage company specializing in home loans and mortgage refinancing with historically low interest rates. Fadi as a mortgage broker in Michigan for every single one of our clients is to have an experience so good that you can’t wait to tell your friends and family about us.
  • Banco Mortgage Centre
  • 379 Hamilton Row, Birmingham, MI, 48009
  • Securing a home or business mortgage is a harrowing process. The search for a quality mortgage broker and lender is like going in circles through a revolving door, with no end in sight. Your search is over. Open your door of opportunity at BANCO Mortgage Centre. We're located in downtown Birmingham, MI, which is a part of the greater Detroit area.
  • Launch Mortgage
  • 1233 Maryland Blvd, Birmingham, MI, 48009
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Rockwood Mortgage LLC
  • 33834 Woodward Ave., Birmingham, MI, 48009
  • Rockwood Mortgage is proud to be serving the Great Lakes state of Michigan. As a mortgage broker we are able to give you the lowest rate & the attention that you deserve.We are always available for our clients and partners and is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.
  • Berkshire Capital
  • 33687 Woodward Ave, Birmingham, MI, 48009
  • As the President of Berkshire Capital, Griffen Hock is responsible for running all facets of the business. Griffen has a proven executive management track record and over 15 years of experience driving sales growth and integrating digital marketing and sales strategy systems in residential mortgage lending.
  • Marshall County State Bank
  • 118 East Minnesota Avenue, Newfolden, MN, 56738
  • Marshall County State Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public. Serving the heart of Marshall County. We are here to serve you! Offering personal banking needs, loan services and insurance. Marshall County State Bank is your trusted local partner for all types of mortgage loans.
  • PLB LENDING, LLC
  • 58069 Van Dyke Rd., Washington, MI, 48094
  • PLB Lending, LLC was opened by Patricia Bidus in 2001 in Washington Township, Michigan. The main goal of the company is to assist our community with all of its mortgage needs. As a full service mortgage broker, we have always put our clients first. Going the extra mile to make sure they always receive the lowest rates and costs.
  • Hickory Point Bank & Trust
  • 225 North Water Street, Decatur, IL, 62523
  • Hickory Point Bank is proud to call Central Illinois home. It’s that pride that shapes us and influences the way we interact with our customers and our communities. What affects you, affects us, and that includes everything from the economy to the weather to the results of last night’s games.
  • Great Lakes Lending MI, LLC
  • 20700 Civic Center Dr, Suite 360, Southfield, MI, 48076
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.