FHA VS Conventional loan programs in 2026 for Sparta, Monroe County, Wisconsin
For 2026, the loan caps in Sparta, Monroe, WI are $726,200 for Conventional and $472,030 for FHA for a single-family home.
Utilize the Lendersa® calculator to compare top rates in Conventional, FHA, and USDA loans. Assess income, credit, and reserves needed for qualification. Our sophisticated mortgage calculator displays Conforming Conventional, USDA, FHA, and VA options side by side, assisting you in selecting the most suitable program for your finances in WI.
2026 Loan Limits and Down Payments in Sparta, Monroe, WI
Loan Type
Loan Limit
Down Payment
Conventional
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Relevant for zip codes: 54656
Choices for Conventional and FHA Loans in Sparta, WI
The goal of Lendersa® is to swiftly connect you with the best Conventional, USDA, or FHA loans, free from hassle. Start with one of three approaches that align you with matching lenders and suitable loan programs.
1st Community Credit Union is a not-for-profit organization owned by its members...people like you. Our purpose is to provide a source of credit at a fair and reasonable rate. As a member, you are one of the owners of your Credit Union. We take pride in serving our members in the best way we know how: with friendly, personalized service.
Established in 1903, First National Bank of Bangor is independently owned and is proud to be your “Community Bank.” We offer a wide range of products and services to satisfy both your business and personal financial needs. We support and partner with our local communities in activities to improve the quality of life for their residents.
Bank First is headquartered in Manitowoc, Wisconsin. Through a combination of acquisitions and de novo offices, our Bank has expanded to serve the financial needs of those throughout Wisconsin. Our growth has been achieved through our relationship-based model of banking. We take pride in knowing our customers on a personal level and working togethe
Affordable Mortgage Financing LLC is located in Tomah, Wisconsin, and was founded in 2003. This business is working in the following industry: Mortgage companies. Annual sales are around USD 203, 040.00 and also Home loans to purchase or refinance. Amazing RATES. VA FHA USDA RURAL DEVELOPMENT.
We offer a full line of financial services ranging from children's savings accounts, auto and home loans, to personal and business checking accounts. Our business customers can rely on us as their financial partner to help their companies grow. In addition, we can help you plan for the future with a wide range of retirement and investment options
Our mission is to provide an experience like no other, which has made us one of the top-rated & fastest growing banks in the country! Our culture is known to be one of the best in the industry, one where we work hard. This promotes outside the box thinking with fun & play all day, resulting in our employees being some of the happiest in the world!
Gundersen Credit Union is recognized as an important member benefit offering convenient service, sound financial advice, and competitive rates in a comfortable environment. Gundersen Credit Union offers personal service, great rates, low fees and free checking! Stay connected through 7 Shared Branches.
Membership eligibility is open to any employee of the DPC system, DPC member Class A & B Cooperatives, WECA & RESCO employees and any person on the BOD of the above organizations, and the end users of electricity provided by Jump River Electrical Coop. The field of membership includes the employee’s immediate family including spouse, children.
Park Bank first opened for business in Holmen in 1909. The first loan made was to buy corn for spring planting and our first deposit was for $300 into a savings account for a down payment on a new home. Today with offices also in La Crosse and Sparta, Park Bank still offers the same personalized service, pays the best money market rates.
