USDA and FHA Pro and Con in Sparta, Monroe County, WI

In 2025, the USDA loan limit for Sparta, within the county of Monroe, WI, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Take advantage of the Lendersa® USDA loan calculator to evaluate today's optimal USDA versus FHA rates. This tool assists in assessing income, credit, reserves, and necessary documentation for qualification. Our cutting-edge mortgage calculator allows you to compare USDA, FHA, Conforming, and VA products side by side, helping you make the right decision for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Sparta, Monroe, 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 Options in Sparta, WI

The objective of Lendersa® is to ensure you obtain the best available USDA or FHA loan without hassle. Begin your journey by selecting one of three entry points leading to matching lenders and potential USDA loan programs.

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Comprehending USDA Loans in WI

A USDA home loan, underscored by the Department of Agriculture and also referred to as a USDA rural development loan, is exclusive to rural regions. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none, thereby improving access to homeownership in these areas.

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



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  • Valley View Home Loans (NMLS# 192103) is recognized as an industry-leading provider of mortgage services, Operating across the 13 states. Year after year we closed over billion dollars in mortgage financing. Valley View Home Loans is a full-service national mortgage lender and agency direct seller/servicer offering Conventional, FHA, Jumbo loans.
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