USDA Vs. FHA your options comparison in Amery, Polk County, WI

In 2026, the USDA loan limit in Amery, located in Polk, WI, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Make use of the Lendersa® USDA loan calculator to weigh today’s competitive USDA versus FHA rates, identifying the income, credit scores, reserves, and documents necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, helping determine which is best suited for your financial situation in .

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Loan Limits and Down Payment Requirements for 2026 in Amery, Polk, WI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Amery, WI

Lendersa® aims to quickly secure the best possible USDA or FHA loan without hassle. Choose one of three starting points to match with lenders and explore USDA loan programs.

Illustration of Lendersa USDA loan requests and results

Defining USDA Loans in WI

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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