For the year 2025, the FHA loan limits applicable in Stoughton county of Dane, WI are as follows: for a single-family home, the maximum limit is set at $472,030. If the property consists of 2-units, the limit increases to $604,400. For 3-unit homes, this maximum extends to $730,525, and for 4-units, the allowable cap rises to $907,900. These limits are essential for individuals looking to secure FHA loans, providing a framework for affordable home buying and investment, particularly beneficial for those considering multi-family residences, thus supporting expanded housing accessibility.
On the flip side, conventional loans present a different set of maximum lending amounts, and these are categorized as follows: for a single-family residence, the maximum amount available is $726,200. For homes comprising 2-units, the loan amount can be as much as $929,850. For properties that have 3-units, this rises to $1,123,900, while for those with 4-units, the cap extends to $1,396,800. Understanding these limits is critical for financial planning, allowing borrowers to align their purchasing strategies with what conventional loans can offer, enabling informed decisions aligned with solid financial strategies.
Using our FHA calculator allows you to uncover today's best FHA rates and evaluate the requirements for downpayment, income qualifications, credit score benchmarks, reserve needs, and compiling the crucial documents needed to qualify. This robust tool provides a comprehensive outlook into your financial readiness for a mortgage, ensuring you are thoroughly prepared for the application process.
The Lendersa® calculator is a powerful resource that offers you the capability to compare FHA rates and terms against a broad spectrum of other available loan programs. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans as viable alternatives. Engaging with this diverse range ensures you can make well-rounded, informed decisions based on comprehensive comparisons.
Lendersa® expertly compiles pertinent data from numerous lenders, ensuring rapid and accurate comparisons tailored to your financial profile. This provides you with the insights needed to choose the most appropriate loan product, matching your unique requirements.
Check the Loan Limits Comparison Table for 2025 in Stoughton, Dane, WI, where detailed comparisons of maximum loan amounts among different programs, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans, are provided. To thoroughly understand qualification prerequisites, including income, reserves, and credit scores, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a nuanced evaluation, supporting strategic and informed financial planning and 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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