In 2026, the USDA loan cap for a single-family home in Middleton, within Dane County, WI, is $336,500, whereas the FHA limit is $472,030.
Leverage the Lendersa® USDA loan calculator to compare the top USDA vs FHA rates of today. This helps in determining the essential income, credit, reserves, and documents needed for eligibility. With our comprehensive mortgage calculator, you gain insights into USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the most suitable program for your financial requirements in .
2026 Loan Limits and Down Payment Needs in Middleton, Dane, WI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Possibilities in Middleton, WI
Lendersa® is committed to promptly finding the best USDA or FHA loan for you without complications. Choose from three options to connect with lenders and USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is guaranteed by the government and only offered in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans demand zero down payment.
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