USDA and FHA Pro and Con in Cottage-Grove, Dane County, WI

In 2026, the USDA loan limit for Cottage-Grove, in the county of Dane, WI, is set at $285,000, whereas the FHA limit for a single-family home stands at $356,362.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, determining the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program in for your financial situation.

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2026 Loan Limits and Downpayment Requirements in Cottage-Grove, Dane, WI

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Cottage-Grove, WI

The primary goal of Lendersa® is to provide you with the optimal USDA or FHA loan swiftly and without hassle. Choose from three starting points leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and results

Understanding USDA Loans in WI

A USDA home loan is a government-backed loan by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is designated for rural areas only. Unlike FHA loans, which require a minimum 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?



  • Fayette Federal Employees Federal Credit Union
  • 364 Morgantown Street, Uniontown, PA, 15401
  • Fayette Federal Employees Federal Credit Union has been open since 1955. The credit union has assets totaling $15.33 Million and provides banking services to more than 1, 000 members as of March 2022.

    The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.

  • Fayette County School Employees Credit Union
  • 193 Edison Street, Uniontown, PA, 15401
  • The Fayette County School Employees Credit Union was founded by Mahlon Franks in February, 1939 & was charted as a state financial institution. Our field of membership for many years included the employees & their immediate family members of the Fayette County schools. More recently, the credit union expanded its field of membership to any student.

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  • With 12 locations in Northwest Arkansas, Northeast Oklahoma, and the River Valley, Grand Savings Bank has been serving communities since 1981. We have a 30-year track record of supporting the diverse and dynamic needs of our customers, and we are committed to providing straightforward, customized, sound advice that contributes to the growth.

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  • Hero Mortgage, LLC
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  • First Community Credit Union
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