USDA and FHA Pro and Con in Merton, Waukesha County, WI

As of 2025, the USDA loan limit set in Merton, within Waukesha county, WI, stands at $336,500, whereas the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates available today. Calculate the income, credit, reserves, and documentation you need to qualify. Our sophisticated mortgage calculator enables you to evaluate USDA, FHA, Conforming, and VA loans side by side, ensuring you select the program in that best fits your unique financial needs.

Explore loan offers from a vast network of 100 lenders

2025 Loan Limits and Down Payment Requirements in Merton, Waukesha, WI

Type of Loan Maximum Loan Down Payment Needed
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Mortgage Solutions in Merton, WI

At Lendersa®, our mission is to offer you the most suitable USDA or FHA loan solutions swiftly and without any hassle. Choose from three initial approaches to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in WI

The USDA home loan, backed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively accessible in rural regions. A key advantage of the USDA mortgage is that it requires no down payment, unlike FHA loans, which demand a minimum 3.5% down payment.

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



  • Actium Partners, LLC
  • 111 East Broadway Suite 390, Salt Lake City, UT, 84111
  • Founded in 2004, Actium is a holding company making equity and debt investments in a range of industries and real estate projects to achieve a superior return on its capital while preserving a margin of safety. Actium Partners focuses on companies that work within established, non-high tech areas of business.
  • Members First Credit Union
  • 120 East 1000 South, Brigham City, UT, 84302
  • Our goal is to professionally and courteously serve the financial needs of our members, while maintaining a sound financial position. We love our community and are grateful to serve you! We provide various deposit accounts, consumer loans, credit cards, home equity loans, electronic account access and online Bill Pay. We are a Credit Union located
  • North Star Mortgage, Inc
  • 695 South Main, Suite 6, Brigham City, UT, 84302
  • North Star Mortgage understands that purchasing a home is one of the biggest purchases of a lifetime. Our competitor’s approach to the mortgage process is notorious for being drawn out, stressful, and risky. We’ve streamlined our process to ensure that the experience of obtaining your mortgage.
  • Elevate Credit Union
  • 1023 Medical Dr., Brigham City, UT, 84302
  • Elevate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys and experiences of your financial life. Join us. Let’s create something great together!vate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys.
  • Forewest Financial LLC
  • 2966 Oak Valley Circle, Sandy, UT, 84093
  • Forewest Financial LLC or ForewestMortgage.com is a licensed mortgage broker. We shop and use wholesale lenders nationwide to obtain the best possible mortgage loan financing available to any given borrower profile. We do conventional, FHA and VA loans as well as non-conventional lending.
  • Florida Home Mortgage Corp
  • 1949 Par Drive, Naples, FL, 34120
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Bonneville Financial Services, Inc.
  • 1009 North Allington Drive North, North Salt Lake, UT, 84054
  • Bonneville Financial Services, Inc. was founded by Maria Thomson Frady in August 2003. She began her career in the Housing Market as a Real Estate Agent in Brazil in 1990. As an Independent Real Estate Agent, she focused on assisting her clients in buying, selling, and leasing properties in Recife, PE-­Brazil.
  • Augusta Mortgage, Inc.
  • 5145 South Airport Road, Suite 300, Roy, UT, 84067
  • We offer discrete and dependable consulting for all aspects of your real estate needs. Our team of highly qualified employees is available day and night to guarantee you the best possible service. We’re sure they’ll be able to help you with whatever problems you may have. We do NOT get "beat" whether it is product, pricing, or service.
  • Day Financial Services, Inc.
  • 3568 W 4800 S, Suite B, Roy, UT, 84067
  • Day Financial Services, Inc. has been doing buisiness since 1994. Our experienced staff will help you with any and all mortgage needs. And also Day Financial Services, Inc. Is a full service mortgage broker. We offer First Time Homebuyer, Purchase, New Construction Refinances, Rural Housing, Debt Consolodiation, Reverse Morrgages, Equity and FHA
  • SouthWind Mortgage Inc
  • 1975 Sansburys Way, Suite 103, West Palm Beach, FL, 33411
  • Our Mortgage Professionals have combined financial experience helping Realtors, their clients, homeowners & business owners for over 35 years.President Donald Cahill, has established a professional reputation of honesty, integrity, & competence within the Morgagre Brokerage industry.Southwind Mortgage the practices can be summed up in one sentence.