USDA Vs. FHA Pro and Con comparison in Ashland, Ashland County, WI
In 2026, the USDA loan limit for Ashland, located in Ashland county, WI, stands at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today. Determine the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side to help decide which program in suits your financial needs best.
2026 Loan Limits and Down Payment Needs in Ashland, Ashland, WI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Plans in Ashland, WI
Lendersa® aims to quickly secure the best USDA or FHA loan for you without complications. Begin with one of three pathways to connect with lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.
Northern State Bank has been serving the needs of our communities for over 85 years. The bank’s original charter incorporated the Marengo State Bank in 1920. In 1933 the articles of incorporation were amended, changing the name to Northern State Bank, and the main office was moved to Ashland.
Chippewa Valley Bank's roots go back to 1917, when it was first chartered by the State of Wisconsin in the small pioneer community of Winter. There was not much growth in the bank for many of the early years, with only basic banking products and services being offered. However, the bank was a pillar of strength for the small village.
Hayward Community Credit Union provides full financial services at two branch locations in Hayward and Cable Wisconsin. Hayward Community Credit Union now serves nearly 7, 500 members in our 7 county membership field to include: Ashland, Barron, Bayfield, Douglas, Rusk, Sawyer and Washburn.
Northwoods Community Credit Union began as the Flambeau Paper Employees’ Credit Union in 1953. The Flambeau Paper Employees’ Credit Union, much like other credit unions all over the world, began with a simple idea: That people could achieve a better standard of living for themselves and others by combining their savings and making loans
