USDA VS FHA in Lake-Wisconsin, Columbia County, WI

In the year 2026, there is a USDA loan limit of $285,000 in Lake-Wisconsin, a part of the county of Columbia, WI. Conversely, for a single-family home, the FHA limit amounts to $356,362.

Employ the USDA loan calculator from Lendersa® to weigh today's USDA versus FHA rates. This tool will aid you in assessing the necessary income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options, guiding you in choosing the most suitable program for your financial situation in .

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Loan Limits and Down Payment Requirements in Lake-Wisconsin, Columbia, WI for 2026

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

Avenues for USDA and FHA Loans in Lake-Wisconsin, WI

Lendersa® aims to rapidly connect you to the most advantageous USDA or FHA loans with minimal hassle. Start by choosing from three initial pathways that link you to lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Exploring what a USDA Loan Offers in WI

The USDA home loan, backed by the government’s Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designed specifically for rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA mortgages require no down payment.

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



  • Hometown Credit Union
  • 18 Main Avenue South, Kulm, ND, 58456
  • Since 1949, we have provided our members with a place to save their hard-earned money & earn excellent dividend rates on those savings, while offering loans at the lowest rates possible. Our sole purpose is to help our member-owners with all their financial needs through all walks of life.

  • CITIZENS BANK of Lafayette
  • 400 Highway 52 Byp W, Lafayette, TN, 37083
  • Citizens Bank of Lafayette, Tennessee, was organized under state charter on April 10, 1909. M.S. Freeman was elected as the bank’s first president and W.J. Hirring was elected vice-president. The 83 original shareholders invested $12, 000. Citizens Bank opened for business on July 1, 1909.

  • Starr Mortgage
  • 303 Red Boiling Springs Road, Lafayette, TN, 37083
  • Starr Mortgage Can Help We can customize your financial package. FHA, RD, VA, Conventional & Land-Only Loans! 100% Financing No Money Down Home Purchases Refinances / Debt Consolidation 10-30 Year Terms Available Products were inspired by Behance's research of especially productive teams in the creative industry.

  • First Community Bank of the Ozarks
  • 931 State Hwy 248, Branson, MO, 65616
  • First Community Bank of the Ozarks is a financial institution that is committed to serving the personal and business banking needs of the Branson, Hollister and Forsyth communities. Because we’re a community bank, we offer local decision-making from people you know and trust. First Community Bank Established in 1993.

  • First State Bank of Purdy
  • 106 E Cleveland Ave, Monett, MO, 65708
  • First State Bank of Purdy was chartered in June, 1944, as a successor of the First National Bank of Purdy. The original directors were Raymond Brite, Bert Catron, A. M. Gurley, Jr, John Miller and John Moore. In 1974, Glen Garrett and Jack Fox purchased the bank, which had assets totaling $2,000,000.00 at that time.

  • Security Bank
  • 120 North Mill Avenue, Dyersburg, TN, 38024
  • Security Bank's heritage is one built on financial strength and integrity. Our corporation was chartered as a state bank on April 3, 1931. At that time, it was called Newbern State Bank and was located in downtown Newbern.

    In October 1968, the name was changed to Security State Bank to reflect its expansion into other Dyer County towns.

  • Sumner Bank & Trust
  • 780 Browns Lane, Gallatin, TN, 37066
  • Sumner Bank & Trust was organized in 2005 to fulfill a need in Sumner County for at true community bank owned by local shareholders. This large & diverse group of local owners, combined with a dedicated group of 17 organizers, provides a strong foundation for bank. We are proud to have a local board, which means decisions will always be made right.

  • Tri-Star Financial Group
  • 1300 Wentworth Drive, Gallatin, TN, 37066
  • At Tri-Star Financial Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available

  • Cambridge Mortgage Inc
  • 115-B East Main St, Gallatin, TN, 37066
  • The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your home.