In 2026, the FHA loan limits in Rochester county of Racine, WI, are set at $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans is $726,200 for single-family homes, $929,850 for two units, $1,123,900 for three-unit residences, and $1,396,800 for houses with four units.
Use our FHA calculator to find today’s best FHA rates and determine what down payment, income, credit, reserves, and documents are needed to qualify.
Lendersa® provides a calculator that enables you to compare FHA rates and terms with those of other loan programs, like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan program data from numerous lenders and swiftly compares it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rochester county, Racine, WI, helps in comparing maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed comparisons of qualifications like income, reserves, and credit, use 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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