USDA Loan Vs. FHA loan pro & con Janesville, Rock County, WI

For 2026, the USDA loan limit in Janesville, within Rock 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 evaluate the most competitive USDA versus FHA rates available today. This will help determine the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, guiding your decision on the best program for your financial needs in <Alabama>.

Discover USDA and FHA Loan Options in Janesville, WI

Lendersa® aims to quickly secure the best USDA or FHA loan for you without hassle. Choose from three starting points to find matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in WI

Backed by the Department of Agriculture, a USDA home loan, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans have no down payment requirement.

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Janesville Lenders
(608) 755-6065 Lender's profile and map Blackhawk Community Credit Union 2640 West Court Street, Janesville, WI, 53548 Lends in Wisconsin Blackhawk Community Credit Union is a member-owned financial services organization. Our mission is to empower our members to reach their financial goals. We will do this by holding the highest standards for service while operating in an ethical and financially sound manner and providing our employees with a rewarding career.
(608) 868-7672 Lender's profile and map Bank of Milton 323 Parkview Drive, Milton, WI, 53563 Lends in Wisconsin The Bank of Milton is a locally owned independent hometown bank, serving our customers and the communities around us. We strive to exceed your expectations by providing exceptional personalized customer service. We emphasize strong client relationships and a high level of community involvement.
(608) 868-7644 Lender's profile and map First Community Bank Milton 202 Merchant Row, Milton, WI, 53563 Lends in Wisconsin First Community Bank was originally founded under the name of the Farmers Bank. It opened its doors for business on July 17, 1911. The original officers of the Farmers Bank were John A Paul, President, John H. Owen, Vice-President and Alexander M. Paul, Cashier. Directors of the bank were John A. Paul, Alexander M. Paul, John H. Owen, S.C Chambers.
(608) 882-5200 Lender's profile and map UNION BANK & TRUST COMPANY PO Box 409, Evansville, WI, 53536 Lends in Wisconsin Union Bank & Trust Company began serving the Evansville community as Grange Bank in 1897. In 1916, it was acquired by Gertrude Eager and operated by her son, Leonard Eager. In 2016, we celebrate our centennial anniversary of Eager family community banking. At the same time, we honor the 150th birthday of the place our story began.
(608) 362-8983 Lender's profile and map Teachers Credit Union WI 2315 Prairie Avenue, Beloit, WI, 53511 Lends in Wisconsin Teachers Credit Union is a not-for-profit member owned organization. Our goal is to provide the best possible financial services to our members at competitive rates and to maintain the credit union’s long-term financial stability. Teachers Credit Union has been open since 1934. The credit union has assets totaling $30.71 Million.
(608) 363-8000 Lender's profile and map First National Bank and Trust Company 345 E Grand Avenue, Beloit, WI, 53511 Lends in Wisconsin First National Bank and Trust Company is a family-focused, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust has grown to be a leading financial services institution offering products and services for consumers and businesses, as well as trust, retirement services
(815) 708-2267 Lender's profile and map First Community Credit Union 1702 Park Ave, Beloit, WI, 53511 Lends in Wisconsin First Community Credit Union is a member-owned, not-for-profit financial cooperative and has provided quality member service for over 85 years. FirstCCU has more than 20, 000 members and $156 million in assets and is a Bauer Financial 5-Star Superior Safety rated credit union for 19 consecutive years.
(920) 563-2478 Lender's profile and map Badger Bank Fort Atkinson 220 Grant St, Fort Atkinson, WI, 53538 Lends in Wisconsin Badger Bank will be a strong, growing, independent community bank that strives to achieve customer loyalty, employee success. In July of 1884, a State-chartered bank opened its doors for the first time at 218 South Main Street, Fort Atkinson. Citizens State Bank (now known as Badger Bank) was established by Congressman L. B. Caswell
(920) 563-6616 Lender's profile and map PremierBank 70 N Main St Fort, Atkinson, WI, 53538 Lends in Wisconsin We offer all the same products and services that the big guys offer. But we couldn't be more different. Our focus isn't on selling you those products and services. Our focus is about connecting you with the ones that will make the biggest difference for you. It's just one of the many ways we are Here. For You. Always