In 2026, within Watertown county of Jefferson, WI, the FHA loan limits are established as follows: $472,030 for a single-family home, $604,400 for properties with 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The top loan amount for conventional loans on a single-family residence is set at $726,200, while for 2-units it is $929,850, $1,123,900 for homes with 3-units, and $1,396,800 for 4-units.
Our FHA calculator helps you locate today’s optimal FHA rates and assesses the necessary downpayment, income, credit, reserves, and documents you need for qualification.
The Lendersa® calculator is your tool to compare FHA rates and terms with all other loan program options. Consider Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly gathers data from thousands of lenders, matching it to your specific financial profile and needs in seconds.
Access the Loan Limits Comparison Table for 2026 in Watertown, Jefferson, WI, providing comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To analyze qualification criteria 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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