In 2026, the USDA loan limit within Osceola, which is in Polk county, WI, is marked at $336,500, whereas the FHA limit for a single-family house stands at $472,030.
Make use of the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today, and figure out the income, credit, reserves, and documents required to qualify. Our state-of-the-art mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to decide which option in
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| Type of Loan | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to facilitate you in securing the best possible USDA or FHA loan promptly and without complications. Choose from one of three entry points that connect you with matching lenders and USDA programs tailored to your needs.
The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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