USDA Vs. FHA your options comparison 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.
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.
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.
Summit, we’re all about helping you turn wishing, waiting and wondering into planning, doing and experiencing. We offer the basic products you want, like checking and savings accounts, credit cards and loans. And we go one step further, providing financial guidance, education, tools, one-on-one coaching and innovative programs to empower.
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