In 2026, the USDA loan limit for Ladysmith, located in Rusk county, WI, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in fits your financial circumstances best.
2026 Loan Limits and Downpayment Requirements in Ladysmith, Rusk, WI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Ladysmith, WI
Lendersa® aims to secure the best possible USDA or FHA loan for you efficiently and without hassle. Choose one of three starting points to connect with matching lenders and suitable USDA loan programs.
A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is a government-backed loan from the Department of Agriculture. It is available exclusively in rural areas, unlike FHA loans which require at least a 3.5% down payment, USDA loans require no down payment.
Ladysmith Federal Savings and Loan Association first opened its doors in 1934. We began with a small staff of only one whose main charter as an association was to provide mortgages, savings accounts, certificates of deposit and share loans.Today, Ladysmith Federal is a thriving, full-service financial institution with a staff of 12 and an active Bo
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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.
COMMUNITY Financial Bank was established in 1987 in Prentice, WI. The Bank has locations in Prentice and Stratford, Wisconsin. COMMUNITY Financial Bank is here to meet both your Business Banking and Personal Banking needs. Community Financial Bank services all our fixed rate loans.
Our story begins in 1951 as Taylor County Co-op Credit Union. A financial cooperative set out to serve the members and employees of the Medford-Stetsonville Farmer’s Union. The newly chartered credit union was located on the second level of the old Farmer’s Union Co-op building on Whelen Ave (current location of the Medford Cooperative Tire & Auto
Chippewa Valley (WI) Community bank focused on establishing relationships and small business lending. Headquartered in Chippewa Falls, Northwestern has office locations in Altoona, Thorp, Boyd, Cornell, and Lafayette. Established in 1904, Northwestern Bank is "Where People Matter
Indianhead Credit Union was founded in March of 1961. The original charter was to serve the residents of Washburn County. The credit union is state chartered and operates under the laws of the State of Wisconsin. Our savings are insured by the NCUA, a U.S. government agency. Over the years, other credit unions have merged with ICU,
Shell Lake State Bank has been providing financial services to the residents and visitors of Northwest Wisconsin. Complete banking services are available at the Main Office in Shell Lake as well as the branch offices located in Spooner, Minong, Hayward and Stone Lake, WI. The Shell Lake State Bank.
Lakewood Credit Union was chartered May 19, 1961, serving the community surrounding Rib Lake, Wisconsin. The local business leaders created the credit union in order to help those that live within the area. The name of the credit union was determined through a vote by the Rib Lake High School students.
