In 2026, the USDA loan cap for a single-family home in Oshkosh, within the county of Winnebago, WI, is $336,500. Meanwhile, the FHA limit is $472,030.
Employ the Lendersa® USDA loan calculator to contrast the top USDA and FHA rates available now, and discern the necessary income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program in <Alabama> for your financial situation.
Loan Limits and Down Payment Requirements in Oshkosh, Winnebago, WI for 2026
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Options for USDA and FHA Loans in Oshkosh, WI
Lendersa® is dedicated to securing the ideal USDA or FHA loan for you quickly and efficiently. Start with any of three options to discover matching lenders and USDA loan programs.
A USDA home loan, or USDA rural development loan and USDA mortgage, is a government-backed loan offered by the Department of Agriculture, available exclusively in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.
West Pointe Bank is Oshkosh's oldest locally owned, independent, full-service bank. West Pointe opened its doors on April 22, 1996 & has been in the community for over 26 years. All together our employees have over 500 years of diversified banking experience in our community & can provide you with the highest level of personalized customer service.
Oshkosh Community Credit Union combines the expertise of a large financial institution with the personal decision-making and personalized service you would expect from a locally-based credit union and Oshkosh Community Credit Union offers a broad array of individual finance products and services. OCCU is a recognized leader in personal finance
Winnebago Community Credit Union is a not-for-profit financial cooperative helping with financial services, including lending, to those who live or work in Winnebago, Fond du Lac or Outagamie counties in Wisconsin. We work in the best interest of members by providing higher deposit rates, lower loan rates and less fees.
Verve, a Credit Union, is a member-owned, not-for-profit financial cooperative serving over 65, 000 members at 21 locations. Membership is open to anyone who lives, works or worships in 25 counties throughout Wisconsin, Illinois and Minnesota and to employees of Kimberly-Clark Corp, Fox River Paper Co.
Evergreen Credit Union was originally started by the employees of Wisconsin Tissue Mills in 1958 to help their fellow employees with financial needs that were not being met by the local banks. In 1984, we outgrew the space available in the plant and built the first branch across the street.
Badger Globe Credit Union is a not-for-profit financial cooperative that was formed in Kimberly-Clark’s first paper manufacturing facility, Badger-Globe Mill, in Neenah, WI. In 1947, employees of the Badger-Globe Mill were receiving financial services at a local credit union that was off-site. Since this location was somewhat inconvenient.
The Oshkosh Postal Employees Credit Union was incorporated on February 25, 1930 with 7 letter carriers who worked at the Post Office in Oshkosh, Wisconsin. In April of 1973, the By-Laws were changed to include employees of the associate offices (549 Zip Code Area) and their families as well as the employees of the Credit Union and their families
Health Care Credit Union was incorporated in 1960 as the Mercy Hospital Credit Union. That common bond has grown over the years to include all workers in any area of health care or related fields that live in or work in Winnebago County, Wisconsin. In addition, HCCU serves the employees
Mortgage Nerds, LLC offers some of the lowest rates and fees available on the market today. Our process has been optimized to insure your loan experience is as efficient as possible. NMLS#1946237vailable on the market today. Our process has been optimized to insure your loan. We are not your average mortgage broker
