For the year 2026, within Beaver-Dam county of Dodge, located in WI, the FHA loan limits are as follows: for a single-family home, the limit reaches $356,362. When it comes to properties with 2-units, the cap is set at $456,275. For those with 3-units, it increases to $551,500, and for properties featuring 4-units, the maximum limit is $685,400. These specific limits are essential for understanding the financial landscape and ensuring that potential homeowners and investors comprehend the breadth of financing available through FHA-backed loans, which are particularly advantageous for those seeking affordable entry into the housing market or looking to expand their property investments in multi-family settings.
Conventional loans, known for their adaptability and competitive rates, have distinct maximum amounts. Specifically, on a single-family residence, the highest loan value allowed is $548,250. This increases for two-unit properties to $702,000. In cases of three-unit residential buildings, the maximum extends to $848,500, and for structures with four units, it peaks at $1,054,500. Knowing these caps helps buyers and investors make informed decisions and plan their finances effectively, optimizing their purchases and investments with clear knowledge of funding possibilities.
The use of our FHA calculator offers an insightful analysis of today’s most competitive FHA rates. It assists potential buyers in determining the necessary downpayment, estimating required incomes, verifying credit thresholds, evaluating reserve requirements, and confirming the precise documents needed for qualification. This comprehensive approach empowers individuals to prepare thoroughly, ensuring a well-rounded understanding of what lenders expect, thus making the loan approval process smoother and more efficient.
Through the Lendersa® calculator, you have the capability to compare FHA rates and terms with an extensive variety of other loan programs. Consider exploring options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA. This breadth of comparison ensures that you have a well-rounded view of the products available, supporting you in making the most informed financial choices possible, whether you are a first-time buyer or a seasoned investor.
Lendersa® efficiently compiles and processes data from thousands of lenders, instantly comparing these loan program details against your specific financial profile and requirements. This comprehensive scanning process ensures that you are provided with tailored advice suited to your unique situation, enabling you to navigate the borrowing landscape with confidence and strategic foresight.
Review the Loan Limits Comparison Table for 2026 in Beaver-Dam, Dodge, WI, which provides a detailed analysis of the maximum loan amounts across a spectrum of programs. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To properly evaluate qualification criteria, such as income, reserves, and credit assessments, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™), a tool providing in-depth insights essential for fine-tuning your financial preparations and ensuring robust eligibility.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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