USDA and FHA Pro and Con in Cedarburg, Ozaukee County, WI

In 2026, the USDA loan limit in Cedarburg, located in Ozaukee county, WI, is $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the best USDA vs. FHA rates today and ascertain the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, guiding you in selecting the ideal program in for your financial needs.

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Loan limits and downpayment requirements for 2026 in Cedarburg, Ozaukee county, WI

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

Loan options for USDA and FHA in Cedarburg, WI

The goal of Lendersa® is to provide you with the most advantageous USDA or FHA loan quickly and effortlessly. Choose one of three starting pathways to connect with matching lenders and relevant USDA loan programs.

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Explaining USDA Loans in WI

A USDA home loan is supported by the U.S. government's Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and it is exclusively available in rural neighborhoods. In contrast to FHA loans that demand a minimum of 3.5% down payment, USDA loans require no down payment at all.

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



Cedarburg Lenders

  • Shorecrest Mortgage LLC
  • 11520 North Port Washington Road, Suite 101A, Mequon, WI, 53092
  • Lends in Wisconsin
  • At Shorecrest Mortgage LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Glacier Hills Credit Union
  • 2150 S Main Street, West Bend, WI, 53095
  • Lends in Wisconsin
  • We were founded in 1934 by employees of West Bend Aluminum Company to provide affordable access to financial services for employees. Much has changed in the financial arena since 1934, but the mission remains the same - People helping people to improve the financial well-being of each member.

  • The Port Washington State Bank
  • 206 North Franklin Street, Port Washington, WI, 53074
  • Lends in Wisconsin
  • Clarence Hill & George Henry opened the doors to their new bank at 206 N. Franklin St. in Port Washington, Wisconsin on Sept. 11, 1899 less than a year after the Great Wisconsin Chair Factory Fire destroyed the town’s business district.

    From this modest start, PWSB has grown to more than $637 million in funds & loan assets under active managem

  • Forte Bank
  • 116 W. Sumner St., Hartford, WI, 53027
  • Lends in Wisconsin
  • At Forte Bank, our goal is to enhance your opportunities for financial success and safeguard your assets. That was our goal when we opened our doors in 1907, and it still rings true today. As an independent community bank, we believe we are responsible for supporting our local businesses, associations and community projects.

  • Brewery Credit Union
  • 1351 Dr Martin Luther King Jr Drive, Milwaukee, WI, 53212
  • Lends in Wisconsin
  • Brewery Credit Union (BCU) offers the same commitment to our members since we chartered in 1934 as Brewery Workers Credit Union. The Brewery Workers Union Local 9, represented the many breweries and malting companies in Milwaukee, was the original home of the Brewery Workers Credit Union

  • Great Midwest Bank, S.S.B.
  • 15900 West Bluemound Road, Brookfield, WI, 53005
  • Lends in Wisconsin
  • Since 1935, Great Midwest Bank has served Wisconsin Homeowners for their mortgage and personal banking needs. We're a customer-oriented mutual bank offering a variety of Residential Mortgage products to first time homebuyers, existing homeowners, and multi-family property owners.

  • Enterprise Credit Union
  • 15850 W Bluemound Road, Brookfield, WI, 53005
  • Lends in Wisconsin
  • September 10, 1935, marked the beginning of Enterprise Credit Union. It was then that a group of telephone company employees banded together to start an organization through which fellow employees could save money. Money saved could then be loaned to other employees Today, Enterprise Credit Union has a membership of more than 5, 000 members.

  • North Shore Bank
  • 15700 West Bluemound Road, Brookfield, WI, 53005
  • Lends in Wisconsin
  • Our vision is to be a successful, community-minded bank recognized for high-touch service. Our role is to help people realize their dreams and fulfill customer expectations in a safe and sound manner. We are also committed to supporting our communities annually through sponsorship and participation in hundreds of local activities.

  • Majesty Mortgage Inc
  • 15460 West Capitol Drive, Suite 220, Brookfield, WI, 53005
  • Lends in Wisconsin
  • Majesty Mortgage is an Equal Housing Lender. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, sex, handicap, marital status, familial status (having children under the age of 18) because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act