USDA Vs. FHA Pro and Con comparison in Milton, Rock County, WI

In the year 2025, the USDA loan ceiling in Milton, within Rock county of WI, is $336,500, while the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to effectively compare today's optimal rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you select the best option fitting your financial situation in Alabama.

Evaluate loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Milton, Rock, WI

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

USDA and FHA Loan Options in Milton, WI

The goal of Lendersa® is to connect you quickly and smoothly to the best USDA or FHA loan available. Choose from three starting points that link you to compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in WI

A USDA home loan is secured by the Department of Agriculture, also known as a USDA rural development loan or mortgage, and is intended solely for rural neighborhoods. Unlike FHA loans that demand a minimum of 3.5% for a down payment, USDA loans require none.

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



  • Eagle Bay Mortgage LLC
  • 5995 Trieda Drive, Viera, FL, 32940
  • John Matteucci founded Eagle Bay Mortgage based on the belief that getting a mortgage should be an easy, stress free and inexpensive process. As an independent mortgage broker, John Matteucci has access to the best mortgage pricing available and we keep expenses low so our cost savings can be passed on to you.
  • Phoenix Star Mortgage LLC
  • 7341 Office Park Place, Suite 201, Melbourne, FL, 32940
  • Phoenix Star Mortgage, LLC. provides our clients, buyers agents, and builders personalized one-on-one services that is required to make a mortgage transaction smooth and stress-free. We believe in working directly with our clients and referral partners to build long-lasting relationships, based on respect, loyalty, and trust.
  • Shelter Mortgage Company
  • 7341 Office Park Place, Suite 106, Melbourne, FL, 32940
  • Shelter Mortgage offers hundreds of loan choices to our customers, but our strength lies in the knowledge and experience of our loan officers. Many of our loan officers have been in the industry for decades and have successfully handled all types of home buying situations.Shelter Mortgage was founded in 1984 .
  • U1st Community Federal Credit Union
  • 601 N Canal Street, Carlsbad, NM, 88220
  • U-1st Community Federal Credit Union can help with your individual loan and checking account needs. We offer a wide variety of products and services, including consumer loans, money market accounts, checking accounts and more. We were established on October 3, 1955, and with over 65 years of experience.
  • Internationalites Federal Credit Union
  • 901 North Canal Street, Carlsbad, NM, 88220
  • The credit union is a cooperative organization operated by volunteer members formed into governing bodies. A board of seven directors governs the overall operations of the credit union. A supervisory committee examines the credit union operations and oversees the board of directors.
  • Eddy Federal Credit Union
  • 909 W Pierce Street, Carlsbad, NM, 88220
  • Eddy Federal Credit Union is committed to making available products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with the credit union.
  • Western Commerce Bank
  • 127 S. Canyon St, Carlsbad, NM, 88220
  • Western Commerce Bank opened its doors June 3, 1961 in the small town of Loving, New Mexico. Since that time, the bank has grown and expanded to include eleven full-service locations throughout New Mexico in Carlsbad, Loving, Hobbs, Lovington, Tatum, and Albuquerque. Our slogan is “Pulling Together For You”, and we take that seriously.
  • Ridge View Mortgage
  • 231 E. Tillman Ave, Lake Wales, FL, 33853
  • At Ridge View Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • McWhorter Mortgage
  • 231 E Tillman Ave, Lake Wales, FL, 33853
  • We constantly work on delivering the best loan services to our clients. Our team will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly. We have satisfied clients all over Central Florida and one of the fastest closing rates offered by any mortgage company.
  • Four Corners Community Bank
  • 500 West Main Street, Farmington, NM, 87401
  • Four Corners Community Bank (FCCB) serves San Juan County in New Mexico, and Montezuma and La Plata counties in Colorado. Since 2000, the bank has focused on providing safe, sound, and local services within each community it is located. Each of its seven locations is a full-service financial institution, offering complete personal