Explore the differences! FHA VS Conventional loan programs in Osceola, Polk County, Wisconsin

In 2025, 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.

Explore loan offers from 100 lenders

2025 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


  • Reliable Mortgage Inc
  • 333 Washington Avenue North, Suite 300, Minneapolis, MN, 55401
  • Reliable Mortgage Inc. has maintained a reputation for exceptional service and competitive mortgage financing since 2001. The majority of our business is derived from referrals of past, satisfied clients and real estate agents. As a local business, we utilize market-leading lenders and secure the best loan program at the lowest possible rates.
  • Northport Funding LLC
  • 424 North Washington Avenue, Suite 201, Minneapolis, MN, 55401
  • At NorthPort, we believe a key component to successful business is having a robust set of services that allow our business customers to manage their financing easily and efficiently giving them more time to focus on the important parts of their business by spending less time shopping the mortgage market.
  • All American Mortgage Lending Inc
  • 3300 County Road 10, Suite 212, Brooklyn Park, MN, 55429
  • 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.
  • Hmong TC Mortgage Inc
  • 6500 Brooklyn Boulevard, Suite 203, Brooklyn Center, MN, 55429
  • Hmong TC Mortgage, Inc is a correspondent lender in MN. We specialized in all types of residential mortgage loans to meet the need of our clients! You can always count on Hmong TC Mortgage, Inc., for honesty, great rates and low closing costs. We are always here to address your concerns.
  • US BANK
  • 800 Nicollet Mall, Minneapolis, MN, 55402
  • U.S. Bancorp, with nearly 70, 000 employees and $554 billion in assets as of December 31, 2020, is the parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends its relationship teams, branches and ATM network with digital tools that allow customers to bank.
  • Heartland Credit Union - Minnesota
  • 5500 South Robert Trail, Inver Grove Heights, MN, 55077
  • Heartland Credit Union is a not-for-profit financial cooperative focused on helping members achieve their financial dreams. Our members enjoy low loan rates, fewer fees and friendly, personal service. At Heartland we take pride in getting to know our members, their stories and their goals.
  • Minnesota VA Mortgage Team
  • 2808 W Broadway Ave, Minneapolis, MN, 55411
  • Our mission is to provide you the tools and manpower necessary to make the most of your VA mortgage benefits. From tracking your Certificate of Eligibility to funding your loan, we are there, every step of the way. You may know that the VA loan program is one of the greatest benefits of military service
  • Satori Mortgage
  • 2808 W Broadway Ave, Minneapolis, MN, 55411
  • Satori Mortgage is a Minneapolis mortgage company with the experience and professionalism to make your dream of owning a home a reality. We know the lending industry inside and out and can provide dedicated mortgage solutions to suit any need and any budget.We offer a variety of mortgage solutions.
  • Kvikstad Mortgage Solutions Inc
  • 2462 Hampshire Court, Mendota Heights, MN, 55120
  • Kvikstad Mortgage Solutions the company in 2004 to provide a better and more personalized option for my clients. As an independent, small business I have very little overhead, so I am able to pass those savings on to my clients. I do not have to charge the same high fees and rates as the banks and other big companies.
  • Gabriel Financial Group Inc
  • 1171 Northland Drive, Suite 100, Mendota Heights, MN, 55120
  • Gabriel Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Spectra Home Mortgage
  • 750 South Plaza Drive, Suite 319, Mendota Heights, MN, 55120
  • At Spectra Home Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Luminate Home Loans
  • 2523 Wayzata Blvd S, Suite 200, Minneapolis, MN, 55405
  • At Luminate Home Loans, our mission is to unlock people's full potential through finances and provide them with clarity through every step of the loan process. We make lending approachable. By bringing transparency and consistency to every part of the financial world, we strive to guide people to decisions that are in their best interest.