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

In 2026, a Conventional loan in Waterford, located in Racine county of WI, has a limit of $726,200, while for FHA, the limit is $472,030 for a single-family house.

Utilize the Lendersa® Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in selecting the best program for your financial situation in WI.

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Loan Limits and Downpayment Requirements for 2026 in Waterford, Racine, WI

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

The comparison table applies to zip codes: 53185

Explore Conventional and FHA Loan Options in Waterford, WI

Lendersa® aims to swiftly provide you with the best possible Conventional, USDA, or FHA loans without hassle. Begin with one of three starting options that lead to matching lenders and loan options.

Lendersa USDA loan requests and matching results


Waterford Lenders

  • A+ Mortgage Services, Inc.
  • W188 S7820 Racine Av, Suite 100, Muskego, WI, 53150
  • Lends in Wisconsin
  • A + Mortgage Services, Inc. we pride ourselves on offering each of our clients, world class, customer care. It is our commitment to deliver for you the best products available at the absolute lowest price in the market. We do this by our relentless, constant search for the lowest market price by selling our loans direct into the secondary market.

  • Educators Credit Union
  • 1326 Willow Road, Sturtevant, WI, 53177
  • Lends in Wisconsin
  • Educators Credit Union was founded by teachers in 1937 so members could borrow and save money at fair and reasonable interest rates. Today, Educators members are students, government workers, healthcare employees, small business owners and many other community members. Educators started out operating under the guiding principle of “Not for Profit.

  • Waukesha State Bank
  • 151 E. St. Paul Avenue, Waukesha, WI, 53187
  • Lends in Wisconsin
  • Waukesha State Bank is one of the largest locally owned and independent Banks in Wisconsin. Since our modest beginning in 1944, we have been serving the financial needs of the community with a personalized, one-on-one approach to Banking, and an emphasis on customer service and community involvement.

  • Pyramax Bank
  • 7001 W. Edgerton Ave, Greenfield, WI, 53220
  • Lends in Wisconsin
  • PyraMax Bank is a publicly held community bank headquartered in Greenfield, Wisconsin and also has offices in Franklin, Grafton, Greenfield, Mukwonago, South Milwaukee, and Waukesha.

    Whether you're looking for a Home Loan, Home Equity Line or Loan, Business Loan, Free Checking, Mobile Banking,

  • First Federal Bank of Wisconsin
  • 1617 E Racine Ave, Waukesha, WI, 53186
  • Lends in Wisconsin
  • At First Federal Bank our competitive advantage is our people; how we serve our customers and support our communities. We believe in conducting business with honesty and integrity. We know that trust, along with providing individualized service and financial expertise, builds long-term relationships.

  • ICD Mortgage
  • 20935 Swenson Dr, Suite 420, Waukesha, WI, 53186
  • Lends in Wisconsin
  • At ICD Mortgage we know that financing and refinancing your home requires exceptional service with a transparent process. That is why we built ICD Mortgage. As a division of Ixonia Bank, we will provide you with stability along-side a digital process that provides real-time updates through your borrower portal or our Industry Leading mobile app.

  • Bank of England Mortgage
  • 21075 Swenson Dr, Suite 250, Waukesha, WI, 53186
  • Lends in Wisconsin
  • Bank of England Mortgage is a division of the Bank of England, a locally owned community bank located in England, Arkansas. We provide our clients with the expertise and services that are traditionally offered by the largest financial services institutions in the country - with the integrity of a local community bank.

  • Bellwether Funding, LLC
  • 251 W Broadway, Suite 206, Waukesha, WI, 53186
  • Lends in Wisconsin
  • Bellwether Funding has over 85 lenders to refinance commercial loans, ranging from investment real estate to unique, special use, retail, office, & industrial properties. These companies either don’t qualify for bank financing, or have growth needs that exceed normal financing programs. During these difficult economic times

  • Novus Home Mortgage
  • 20935 Swenson Dr, Suite 420, Waukesha, WI, 53186
  • Lends in Wisconsin
  • Novus Home Mortgage was created to set a new standard for mortgage lending.Built from the ground up by visionary industry leaders with the backing and financial support of Ixonia Bank, the company is positioned to become a model of modern residential lending.Novus Home Mortgage is committed to creating a simpler, more efficient and more transparent