FHA Loan Requirements Wisconsin 2025 – Everything Buyers Need to Know
If you're planning to buy a home in Wisconsin in 2025, knowing the FHA Loan Requirements Wisconsin 2025 can save you time and stress. FHA loans are popular for first-time buyers because of their low down payment options and flexible credit standards. Here's a clear breakdown of what it takes to qualify this year.
Credit Score Requirements
- Minimum score: 580 with 3.5% down
- Scores between 500 - 579 may still qualify with 10% down
- Lower scores than that are usually ineligible
Down Payment Guidelines
- 3.5% down with a credit score of 580+
- Gifts or down payment assistance programs may cover part (or all) of this amount
- Compare that to conventional loans, which require at least 3% - 5% down and stricter credit
Debt-to-Income Ratios
- Most FHA borrowers need a DTI at or below 55%
- Some exceptions exist if you have compensating factors (like higher income or cash reserves)
Property Requirements
- Must be your primary residence
- Property must pass FHA's appraisal and safety standards
- Condos must be on the FHA-approved condo list
2025 Loan Limits in Wisconsin
In 2025, the FHA loan limit for most Wisconsin counties is $498,257.
- In higher-cost areas, limits can be slightly higher
- Above that, borrowers need a jumbo loan
Why FHA Loans Are a Great Choice
- Low down payment
- Flexible credit standards
- Options for buyers who don't qualify for conventional financing
Internal & External Links
- Internal: FHA Refinance in Wisconsin 2025 - Lower Your Rate and Save Monthly
- External: HUD FHA Loan Requirements
Final Thoughts
If you're buying a home in Milwaukee, Waukesha, Brookfield, or anywhere in Wisconsin, FHA loans may open the door for you. My team and I specialize in FHA financing, making the process smooth and stress-free.
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📌 Contact Information
Adam Zeman - NMLS #870441
Union Home Mortgage
📞 414-976-2654
📧 azeman@uhm.com
🌐 www.mkemortgage.com