Explore the differences! FHA VS Conventional loan programs in Rochester, Racine County, Wisconsin

For 2025, the conventional loan ceiling in Rochester, within the confines of Racine county, WI, is identified as $726,200, while the FHA limit for a single-family residence stands at $472,030.

With the Lendersa® Conventional loan calculator, you can analyze today's best rates between Conventional, FHA, and USDA loans and evaluate the income, credit, reserves, and paperwork required for qualification. Our advanced mortgage calculator allows you to view Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding your decision on which program in WI might be best for your specific financial situation.

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2025 Loan Limits and Downpayment Requirements in Rochester, Racine County, WI

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

This comparison is relevant for zip codes: 53167, 53105, 53138

Conventional and FHA Loan Options in Rochester, WI

Lendersa® is committed to delivering the most suitable Conventional, USDA, or FHA loan swiftly and with convenience. Choose one of three initial steps that align you with matching lenders and loan programs.

See results for Lendersa USDA loan requests and matches


  • BlueWorld Private Capital LLC
  • 2680 NORTH MORELAND BOULEVARD APT 308, Cleveland, OH, 44120
  • BlueWorld Commercial is one of the fastest growing real estate corporations in America. Our company strives to provide the best commercial and residential services when it comes to buying, lending, and selling. Commercial is one of the fastest growing real estate corporations in America.
  • Eaton Family Credit Union
  • 333 Babbitt Road, Suite 100, Euclid, OH, 44123
  • We provide members lower fees, higher interest earned on deposits and lower rates on loans. Our members live, work, worship or go to school in Cuyahoga or Lake county, Ohio. Some members don't meet this requirement, but because they are related to a member or work for select companies such as Eaton Corporation, PCC Airfoils and others.
  • First State Bank
  • 240 N. First St., Irvington, KY, 40146
  • First State Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service. This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.
  • Center National Bank
  • 301 N. Ramsey Ave., Litchfield, MN, 55355
  • Center Bank is a people-focused community bank with locations in Plymouth, Chaska & Litchfield, Minnesota. What makes Center Bank different: 1- Your money stays local, right here in Minnesota. 2- We make decisions locally after getting to know you - we don't just look at who you are on paper like big banks. 3 - you’re not a customer — you’re family
  • Linkedup Home Lending LLC
  • 1785 Coventy Road, Cleveland, OH, 44118
  • We've been helping customers afford the home of their dreams for many years and we love what we do. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
  • Medina County Federal Credit Union
  • 1353 Reimer Road, Wadsworth, OH, 44281
  • Medina County Federal Credit Union provides savings, checking/debit, loans, credit cards & other financial services to the people of Medina County, Ohio. We have three branches located in Medina County to serve our Members. Credit Union provides savings, checking/debit, loans, credit cards & other financial services to the people of Medina County,
  • Citizens First National Bank
  • 529 Lake Avenue, Storm Lake, IA, 50588
  • In 1902, Fred and George Schaller started the Citizens Bank as a private banking business with deposits of $70, 000.00. Since that time the bank has remained locally owned and managed by the Schaller family through the currency crisis of 1907, the depression of the 1930's, the agricultural crisis of the 1980's and the financial crisis of 2008.
  • Central Bank Iowa
  • 600 Lake Avenue, Storm Lake, IA, 50588
  • That’s the nature of being a part of Central Bank. Our small-town roots and dedication to the communities we serve push us to help our customers and communities to accomplish great things. We’re family-owned and decisions are made locally, not in a distant skyscraper. Whether it’s a mortgage, a small-business loan
  • Wayne County Community Federal Credit Union
  • 311 Kaufman Drive, Smithville, OH, 44677
  • Wayne County Community Federal Credit Union was officially organized on June 7, 1966 as the Wayne County School Employees Federal Credit Union. Seven very foresighted school employees (Sam Yelic, Charles Deane, Wayne Kornhaus, Neal Retherford, Fred Kloha, Russell Knight and Kenneth Barton) met on that June date
  • First Federal Savings Bank
  • 2 North 2nd Street, Newark, OH, 43055
  • We know what it means to chase a dream with everything you have. At First Federal Savings, we make sure you start strong with a loan process that’s secure and transparent. We’re dreamers like you—so we’re ready to give you just what you need to focus on what matters most: the future you’re ready to build.