In the year 2025, the FHA loan limits available in Whitewater county of Walworth, WI, are organized as follows: for a single-family home, the limit is set at $472,030. For properties with 2-units, you can secure up to $604,400. For those with 3-units, the threshold rises to $730,525, and for 4-units, the cap is at $907,900. These limits are essential for allowing potential buyers and real estate investors to understand the maximum amounts available for borrowing through FHA loans, which cater to making housing more affordable and accessible, particularly for those interested in multi-family investments.
In comparison, the maximum amounts for conventional loans are structured differently. For a single-family residence, conventional loan limits reach $726,200. For homes with 2-units, the cap is $929,850, elevating to $1,123,900 for properties that include 3-units, and for those with 4-units, the ceiling is $1,396,800. These predefined limits are crucial for financial planning and can help potential homeowners gauge the best approach to funding their purchases through conventional means, ensuring they are adequately prepared for mortgage commitments.
To examine the top FHA rates available today, utilize our FHA calculator. This efficient tool assists users in determining necessary downpayments, assessing income requirements, reviewing credit scores, evaluating reserve needs, and organizing all essential documents required for qualifying. This comprehensive analysis prepares borrowers for the loan application process with confidence and accuracy.
The Lendersa® calculator is a handy resource that permits thorough comparisons of FHA rates and terms with those from a wide variety of other loan programs. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. These comparisons ensure that borrowers make the most informed financial decisions tailored to their specific needs and goals.
Lendersa® collects pertinent loan data from a vast network of thousands of lenders, rapidly aligning this data with your individual financial profile to deliver personalized insights that aid in selecting the best loan product for your circumstances.
Review the Loan Limits Comparison Table for 2025 in Whitewater, within Walworth, WI. This table offers comprehensive insights into the maximum loan amounts available across a breadth of programs including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification needs like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) which provides an in-depth analysis, assisting you in strategic 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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