In 2026, the USDA loan limit for New-Richmond, which lies within St. Croix county, WI, is $322,000. On the other hand, the FHA limit for a single-family home stands at $402,500.
Leverage the Lendersa® USDA loan calculator to effectively compare the current USDA versus FHA rates. This tool is invaluable for assessing the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program for your financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $322,000 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to procure the best USDA or FHA loan for you quickly and effortlessly. Start with one of three options that lead to connecting with matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government through the Department of Agriculture and is limited to rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none, making them an accessible option for rural homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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