FHA VS Conventional loan programs in Osceola, Polk County, Wisconsin

In 2026, the conventional loan limit in Osceola, situated in Polk, WI, is $726,200, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the best rates today across Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA side by side, guiding you to the program that best fits your financial needs in WI.

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2026 Loan Limits and Down Payment Requirements in Osceola, Polk County, WI

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

The information in this table is applicable to zip codes: 54020

Discover Conventional and FHA Loan Options in Osceola, WI

The goal of Lendersa® is to find you the best possible Conventional, USDA, or FHA loan quickly and with ease. Choose one of three options to discover matching lenders and loan programs.

Results of Lendersa USDA loan requests and matches


Osceola Lenders

  • Landmark Mortgage
  • 200 State Road 35, Dresser, WI, 54009
  • Lends in Wisconsin
  • Landmark Mortgage has been serving the St. Croix River valley in the states of Minnesota and Wisconsin for over 8 years. In that time we have established ourselves as a leader in servicing our customers as well as giving back to the community that we represent. We are a family owned business that answers to our customers.

  • Hiawatha National Bank
  • 220 East Oak Street, Glenwood City, WI, 54013
  • Lends in Wisconsin
  • Hiawatha National Bank Operator of a regional bank in Wisconsin, United States. The company offers services like personal and business banking services, loan products that include personal loans, mortgages, lines of credit, certificates of deposits along with several other banking services like telebanking and safe depositories.

  • The First Bank of Baldwin
  • 990 Main Street, Baldwin, WI, 54002
  • Lends in Wisconsin
  • In September 1883, in this thriving community of farmers and lumbermen, James A. Decker and Armstrong Taylor established and incorporated the Bank of Baldwin. A national charter request was granted in October 1911, and with that came a new name-The First National Bank of Baldwin.