In 2025, the FHA loan ceiling in Racine county, Racine of WI, is set at $472,030 for a single-family home. It increases to $604,400 for two-unit homes, $730,525 for three-unit buildings, and reaches $907,900 for four-unit properties.
In comparison, the maximum amount for conventional loans on a single-family residence is $726,200, increasing to $929,850 for two-unit homes, $1,123,900 for triplexes, and topping out at $1,396,800 for quadplexes.
Leverage our FHA calculator to view today’s top FHA rates and evaluate necessary aspects like downpayment, required income, credit requirements, reserves, and documents needed to qualify.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those from alternative loan programs. Dive into assessments of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans as opposed to FHA offerings.
Lendersa® efficiently gathers comprehensive loan program data from thousands of lenders, allowing rapid analysis against your distinct financial profile and specific needs.
Within the Loan Limits Comparison Table for 2025 in Racine county, Racine, WI, you can compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to delve into qualifications such as income, reserves, and credit evaluations.
| 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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