FHA VS Conventional loan in Whitewater, Walworth County, Wisconsin

In 2026, the conventional loan limit for Whitewater within Walworth county in WI is set at $726,200, while the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® Conventional loan calculator to compare the best present-day rates for Conventional, FHA, and USDA loans. This tool enables you to assess the required income, credit rating, reserves, and necessary documentation to qualify. Our advanced mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans adjacent to each other, aiding your decision on which program in WI best fits your financial requirements.

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Loan Limits and Down Payment Requirements for 2026 in Whitewater, Walworth County, WI

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

This comparison applies to the following zip codes: 53190

Exploring Conventional and FHA Loan Options in Whitewater, WI

Lendersa® aims to connect you with the best possible Conventional, USDA, or FHA loan swiftly and seamlessly. Choose one of three pathways to find matching lenders and suitable loan programs.

Results for Lendersa USDA loan request and matching


Whitewater Lenders

  • Badger Bank Fort Atkinson
  • 220 Grant St, Fort Atkinson, WI, 53538
  • Lends in Wisconsin
  • Badger Bank will be a strong, growing, independent community bank that strives to achieve customer loyalty, employee success.

    In July of 1884, a State-chartered bank opened its doors for the first time at 218 South Main Street, Fort Atkinson. Citizens State Bank (now known as Badger Bank) was established by Congressman L. B. Caswell

  • Fort Community Credit Union
  • 800 Madison Av, Fort Atkinson, WI, 53538
  • Lends in Wisconsin
  • FCCU, and welcome to the cooperative side of the financial world! FCCU has been growing roots in Southeast Wisconsin since 1940 when employees of Moe Light, in Fort Atkinson, pooled their paychecks together to begin the credit union. Since then, the credit union has expanded by building branches in Jefferson, Watertown, and Whitewater.

  • First Community Bank Milton
  • 202 Merchant Row, Milton, WI, 53563
  • Lends in Wisconsin
  • First Community Bank was originally founded under the name of the Farmers Bank. It opened its doors for business on July 17, 1911. The original officers of the Farmers Bank were John A Paul, President, John H. Owen, Vice-President and Alexander M. Paul, Cashier. Directors of the bank were John A. Paul, Alexander M. Paul, John H. Owen, S.C Chambers.

  • INmortgage Co
  • 820 Geneva Pkwy, Suite 106, Lake Geneva, WI, 53147
  • Lends in Wisconsin
  • INmortgage Co mission is to strive to provide a new level of excellence along with a fresh transparent approach in the mortgage industry. We boast the top of the line technologies, broad range of programs, comprehensive marketing and experienced staff comprised of top producing loan originators, and management.

  • Bank of Lake Mills
  • 136 E Madison Street, Lake Mills, WI, 53551
  • Lends in Wisconsin
  • Bank of Lake Mills was organized in 1893 by S. A. Reed, E. J. Fargo, L. D. Fargo, David Gardner, B. J. Silliman, R. E. Favill, Robert Fargo, William Everson and Conrad Engsberg. The bank was built despite the numerous bank failures that occurred that same year.

    In 1919, Emil Neupert joined Bank of Lake Mills and became Bank President.

  • Blackhawk Community Credit Union
  • 2640 West Court Street, Janesville, WI, 53548
  • Lends in Wisconsin
  • Blackhawk Community Credit Union is a member-owned financial services organization. Our mission is to empower our members to reach their financial goals. We will do this by holding the highest standards for service while operating in an ethical and financially sound manner and providing our employees with a rewarding career.

  • Loans 4 Homes
  • 1833 Executive Drive, Suite 105, Oconomowoc, WI, 53066
  • Lends in Wisconsin
  • LOANS 4 HOMES is committed to providing our clients with the highest quality financial services combined with low, competitive rates. At LOANS 4 HOMES, our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs

  • BANK FIVE NINE
  • 155 W. Wisconsin Ave, Oconomowoc, WI, 53066
  • Lends in Wisconsin
  • Bank Five Nine is a full-service, independent, community bank that has served southeast Wisconsin since 1859.We enjoy long, quiet walks on the beach, puppies and romantic dinners. Nah, we're too old for all that, but we're still pretty cool, and we do actually love puppies. As a community bank, we make it a priority to give back to the customers.

  • First Wisconsin Financial
  • 110 N Main St, Oconomowoc, WI, 53066
  • Lends in Wisconsin
  • First Wisconsin Financial, Inc., I take a dynamic approach to home financing by shopping all of the major mortgage lenders and securing the most competitive rate for my clients and also This firm offers mortgages including purchases, refinancing, home equity loans and debt consolidation