FHA Loan Wisconsin 2025 – Low Down Payment Option
Buying a home doesn't have to mean saving for years. With an FHA loan Wisconsin 2025, buyers can purchase with as little as 3.5% down, flexible credit requirements, and competitive rates. This program continues to open doors for first-time and repeat buyers across Milwaukee, Waukesha, and throughout Wisconsin.
Why Choose an FHA Loan in 2025?
- Low Down Payment - Only 3.5% down with qualifying credit scores.
- Flexible Credit Guidelines - FHA loans are available to buyers with scores as low as 580.
- Higher Debt-to-Income Allowances - More forgiving than many conventional programs.
- Refinance Options - FHA streamline refinance lets homeowners reduce rates with less paperwork.
FHA Loan Requirements in Wisconsin
- Credit Score: 580+ for 3.5% down, or 500 - 579 with 10% down.
- Mortgage Insurance: Upfront and annual mortgage insurance premium (MIP) required.
- Property Eligibility: Must be a primary residence in Wisconsin.
- Loan Limits: Vary by county; check your area's FHA loan limits before applying.
👉 For official program details, see HUD's FHA Loan Basics.
How FHA Loans Compare to Other Loan Types
- Vs. Conventional: Lower credit and down payment requirements but includes MIP for the life of the loan (unless refinanced).
- Vs. VA Loans: Veterans get $0 down with no PMI; FHA is the next best option for non-veterans.
- Vs. USDA Loans: FHA is available statewide, while USDA is limited to eligible rural areas.
Related Reading
Check out my full guide: FHA Home Loans in Wisconsin
Final Thoughts
For buyers who need flexibility on credit or down payment, the FHA loan Wisconsin 2025 is one of the strongest options available. My team and I work daily with FHA buyers to get them pre-approved quickly and on track toward homeownership.
Contact Information
Adam Zeman - Union Home Mortgage
NMLS #870441
📞 414-975-2654
📧 azeman@uhm.com
🌐 www.mkemortgage.com
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