USDA Vs. FHA your options comparison in Portage, Columbia County, WI

In 2026, the USDA loan limit in Portage, within Columbia county, WI, is $336,500. However, the FHA loan limit for a single-family home is $472,030.

Lendersa®'s USDA loan calculator allows you to compare the best rates between USDA and FHA loans currently. It helps you determine the necessary income, credit, reserves, and documents needed for qualification. By using our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side to select the right choice in for your unique financial situation.

Compare offers from a pool of 100 lenders

2026 Loan Limits and Downpayment Requirements in Portage, Columbia, 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 Opportunities in Portage, WI

The objective of Lendersa® is to efficiently secure the best USDA or FHA loan options for you. Start by choosing one of three pathways to identify matching lenders and relevant USDA loan programs.

Lendersa USDA loan requests and matching results

Understanding USDA Loans in WI

A USDA home loan is backed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and it's applicable only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • Legacy Credit Union
  • 3929 East 7th Street, Suite A, Joplin, MO, 64801
  • We are a local credit union located in Joplin, MO. Originally we were known as District 7 Highway Credit Union and were a part of the Missouri Department of Transportation. We have since expanded and look forward to serving you.credit union located in Joplin, MO. Originally we were known as District 7 Highway Credit Union

  • The Mortgage Guy
  • 100 north main st, Goodlettsville, TN, 37072
  • The Mortgage Guy, 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.

  • Lake Shore Savings Bank
  • 128 East Fourth Street, Dunkirk, NY, 14048
  • Lake Shore Savings is a community oriented financial institution originally chartered as a savings and loan association in New York in 1891. We are dedicated to serving the financial needs of consumers and businesses within its market area. We are primarily engaged in the business of attracting deposits from the general public

  • Marshall County Federal Credit Union
  • 910 Third Street, Moundsville, WV, 26041
  • Marshall County Federal Credit Union began as “Marshall County School Employees Federal Credit Union”. In 1974 five members started this credit union off on its financial journey by depositing $35 each into a share account. Today, the credit union’s assets have grown to almost $22 million

  • Willow Island Credit Union
  • 7910 S Pleasants Highway, Saint Marys, WV, 26170
  • Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.

  • CITIZENS BANK of Lafayette
  • 400 Highway 52 Byp W, Lafayette, TN, 37083
  • Citizens Bank of Lafayette, Tennessee, was organized under state charter on April 10, 1909. M.S. Freeman was elected as the bank’s first president and W.J. Hirring was elected vice-president. The 83 original shareholders invested $12, 000. Citizens Bank opened for business on July 1, 1909.

  • Starr Mortgage
  • 303 Red Boiling Springs Road, Lafayette, TN, 37083
  • Starr Mortgage Can Help We can customize your financial package. FHA, RD, VA, Conventional & Land-Only Loans! 100% Financing No Money Down Home Purchases Refinances / Debt Consolidation 10-30 Year Terms Available Products were inspired by Behance's research of especially productive teams in the creative industry.

  • USX Federal Credit Union
  • 1293 Freedom Road, Cranberry Township, PA, 16066
  • USX FCU was founded in 1938 by several United States Steel Corporation employees with a mission to educate its members about financial matters and help them manage their daily financial affairs and also to provide members with advantages in every aspect of their financial lives and giving them the confidence of financial security

  • CommonRoots Federal Credit Union
  • 1204 Freedom Road, Cranberry Township, PA, 16066
  • CommonRoots Federal Credit Our goal is and always has been to help each and every one of our members to achieve their financial goals and be good stewards of their resources. The founding fathers of our credit union could not have predicted the important role the organization would play in the lives of so many individuals.

  • Welcome Home Finance, LP
  • 8050 Rowan Rd, Suite 503, Cranberry Township, PA, 16066
  • We have built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state of Pennsylvania. We're a full service, independently owned mortgage lender with an experienced staff offering expertise in every area of mortgage lending

  • Ohio Valley Community Federal Credit Union
  • 52775 Boston Hill Road, Hannibal, OH, 43931
  • Ohio Valley Community Federal Credit Union has been meeting the changing financial needs of its members since 1960. OVCFCU is one of the area's largest financial institutions. We are a full-service, federal-chartered financial institution guided by this mission statement: “Providing safety and security with innovative financial services.