USDA and FHA Pro and Con in Whitewater, Walworth County, WI

In the year 2025, for Whitewater, in the county of Walworth, located in WI, the USDA loan limit is set at $336,500, whereas the FHA limit for a single-family home reaches $472,030.

Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA rates today, identifying the income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, facilitating the decision-making process for an ideal program in tailored to your specific financial needs.

Review and compare loan offers from up to 100 lenders

Details of loan limits and downpayment requirements for 2025 in Whitewater, in Walworth, 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 Whitewater, WI

The primary aim of Lendersa® is to swiftly secure the best USDA or FHA loan, free of complications. You can start by selecting one of three paths that will result in matching lenders and USDA loan programs tailored for you.

Lendersa USDA loan request and result comparison

Understanding the USDA Loan in WI

A USDA home loan is a government-guaranteed loan offered by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. These are exclusively available in rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, USDA loans require no down payment whatsoever.

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



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