For 2026, the FHA loan limits in Merrill county, encompassing Lincoln, WI, are as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for four-unit residences.
Regarding conventional loans, the limit stands at $726,200 for a single-family dwelling, then $929,850 for two-unit homes, $1,123,900 for three-unit properties, and $1,396,800 for four units.
Our FHA calculator can help you find optimal FHA rates today, clarifying the required downpayment, income, credit standing, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you can evaluate FHA rates and terms in comparison with various other loan programs. Examine options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans among others.
Lendersa® accesses information from a multitude of lenders and quickly aligns it with your financial situation and preferences.
The Loan Limits Comparison Table for 2026 in Merrill county of Lincoln, WI provides a comparative view of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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