In 2025, the FHA loan limits for Sparta county of Monroe, WI are as specified: the single-family home limit is $472,030. For properties with 2-units, the cap extends to $604,400. If the residence includes 3-units, the limit is $730,525, while for 4-unit homes, the maximum permissible is $907,900. Understanding these caps is essential for prospective buyers and investors as they provide a clear guide to the funding available through FHA loans, which are structured to enhance affordability in the housing market, particularly advantageous for those looking at multi-family property investments.
Conversely, conventional loan limits are structured differently and are specified as follows: for a single-family residence, the maximum possible loan amount is $726,200. For properties with 2-units, this limit reaches $929,850. For homes comprising 3-units, it further extends to $1,123,900, and for those featuring 4-units, it peaks at $1,396,800. These maximum amounts are crucial for financial planning, ensuring that buyers align their purchasing strategies with the conventional loan offerings, grounded in practical funding possibilities.
Use our FHA calculator to explore today’s most advantageous FHA rates. The calculator proves invaluable by assisting with calculations to ascertain necessary downpayments, assess pertinent income levels, evaluate credit standing, check reserve requirements, and prepare essential documents to aid in successful loan qualification. By using this tool, borrowers can navigate the complexities of the loan application process effectively.
The Lendersa® calculator facilitates detailed comparisons of FHA rates and terms in relation to a full array of other loan programs. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. Such diverse evaluation ensures that borrowers make well-informed financial decisions aligned with their unique targets and needs.
By efficiently gathering and analyzing loan data from thousands of lenders, Lendersa® quickly aligns it with your specific financial profile, ensuring you access the most suitable loan products tailored to your situation.
Consult the Loan Limits Comparison Table for 2025 in Sparta, situated in Monroe, WI. This table provides a comprehensive review of maximum loan amounts across a host of programs, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly understand qualification requirements, assess factors like income, reserves, and credit benchmarks using the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which provides profound insights essential for strategic financial planning and informed decision-making.
| 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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