In 2026, the FHA loan limits in Waterford county, Racine, WI, are $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three-unit residences, and $907,900 for four-unit homes.
For conventional loans, the maximum amounts are $726,200 for single-family dwellings, $929,850 for two-unit properties, $1,123,900 for triplexes, and $1,396,800 for quadplexes.
Use our FHA calculator to discover today’s top FHA rates and to calculate the required down payment, income, credit profile, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly reviews data from thousands of lending institutions, helping you match your financial profile with the best available options.
The Loan Limits Comparison Table for 2026 in Waterford county of Racine, WI, helps assess maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification comparisons regarding income, reserves, and credit, use 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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