FHA loans, which are backed by the Federal Housing Administration, can be secured with a down payment as low as 3.5 percent. This makes FHA loans a great solution for buyers who can afford to pay a monthly mortgage payment, but who may struggle with saving for a down payment.
For this reason, FHA loans are often called “helper loans.” But they aren’t designed to help buyers purchase multi-million dollar properties. Instead, FHA loans are available for borrowers who are purchasing starter homes or other moderately-priced properties.
To ensure responsible borrowing, the FHA sets a loan limit for each county, based on the typical housing prices for the area. Here are the 2019 FHA loan limits for each county in Wisconsin.
Note: FHA borrowers will also pay mortgage insurance at the time of closing, and monthly throughout the life of the loan. Learn more about how mortgage insurance works.
2019 FHA loan limits for Wisconsin counties
| Wisconsin county | FHA loan limit for 2019 |
|---|---|
| Adams County | $314,827 |
| Ashland County | $314,827 |
| Barron County | $314,827 |
| Bayfield County | $314,827 |
| Brown County | $314,827 |
| Buffalo County | $314,827 |
| Burnett County | $314,827 |
| Calumet County | $314,827 |
| Chippewa County | $314,827 |
| Clark County | $314,827 |
| Columbia County | $316,250 |
| Crawford County | $314,827 |
| Dane County | $316,250 |
| Dodge County | $314,827 |
| Door County | $314,827 |
| Douglas County | $314,827 |
| Dunn County | $314,827 |
| Eau Claire County | $314,827 |
| Forest County | $314,827 |
| Grant County | $314,827 |
| Green County | $316,250 |
| Green Lake County | $314,827 |
| Iowa County | $316,250 |
| Iron County | $314,827 |
| Jackson County | $314,827 |
| Jefferson County | $314,827 |
| Juneau County | $314,827 |
| Kenosha County | $368,000 |
| Kewaunee County | $314,827 |
| La Crosse County | $314,827 |
| Lafayette County | $314,827 |
| Langlade County | $314,827 |
| Lincoln County | $314,827 |
| Manitowoc County | $314,827 |
| Marathon County | $314,827 |
| Marinette County | $314,827 |
| Marquette County | $314,827 |
| Menominee County | $314,827 |
| Milwaukee County | $327,750 |
| Monroe County | $314,827 |
| Oconto County | $314,827 |
| Oneida County | $314,827 |
| Outagamie County | $314,827 |
| Ozaukee County | $366,850 |
| Pepin County | $314,827 |
| Pierce County | $356,500 |
| Polk County | $314,827 |
| Portage County | $314,827 |
| Price County | $314,827 |
| Racine County | $314,827 |
| Richland County | $314,827 |
| Rock County | $314,827 |
| Rusk County | $314,827 |
| Sauk County | $314,827 |
| Sawyer County | $314,827 |
| Shawano County | $314,827 |
| Sheboygan County | $314,827 |
| St. Croix County | $366,850 |
| Taylor County | $314,827 |
| Trempealeau County | $314,827 |
| Vernon County | $314,827 |
| Vilas County | $314,827 |
| Walworth County | $314,827 |
| Washburn County | $314,827 |
| Washington County | $327,750 |
| Waukesha County | $327,750 |
| Waupaca County | $314,827 |
| Waushara County | $314,827 |
| Winnebago County | $314,827 |
| Wood County | $314,827 |
Remember, some cities span more than one county. Ask your REALTOR® or lender about the loan limit you can expect if you’re searching for homes near county lines.
Ready to buy with an FHA loan in 2019?
Whether you know you’ll need an FHA loan or you’re looking for guidance on the best mortgage program for your budget and finances, we can help. Contact Edina Realty or your Realtor to get insights on the mortgage process.
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