FHA Loans in Wisconsin: 2025 Requirements, Benefits & How to Qualify
If you're thinking about buying a home in Wisconsin in 2025, an FHA loan could be the key to making it happen - especially if you're a first-time buyer or have less-than-perfect credit.
Here's everything you need to know about FHA loans in Wisconsin, how to qualify, and how to get started.
What Is an FHA Loan?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). These loans are designed to help more people become homeowners - especially those with limited savings or lower credit scores.
FHA Loan Requirements in Wisconsin (2025)
To qualify for an FHA loan in Wisconsin, here's what you'll need:
- Minimum Credit Score: 580+ (for 3.5% down payment)
- Down Payment: As low as 3.5%
- Debt-to-Income Ratio: Typically under 43%
- Property Must Be Primary Residence
- Steady Employment History
We use a smart system called Argyle to pull income/employment docs instantly - saving time and paperwork.
Benefits of FHA Loans
- Low down payment (as little as 3.5%)
- More flexible credit score requirements
- Gift funds allowed for down payment
- Great for first-time homebuyers
- Competitive interest rates
Wisconsin-Specific FHA Insights
In 2025, FHA loan limits in Wisconsin vary by county. Here’s a quick glance:
- Milwaukee County FHA limit (2025): ~$498,257
- Waukesha County FHA limit: ~$550,000+
- Rural areas like Dodge or Jefferson: ~$472,000 range
For the latest limits, visit HUD's FHA mortgage limit lookup and search by county.
FHA vs Conventional: Which Is Better?
If you have a credit score above 680 and can put 5 - 10% down, conventional loans may offer lower mortgage insurance costs long-term.
Read this full FHA vs Conventional Loan guide.
How to Apply for an FHA Loan in Wisconsin
- Get Pre-Approved
Book a call with Adam Zeman - Submit Docs Easily
We use Argyle to pull income, W2s, and more through your secure login. - Find Your Home
Partner with a trusted local agent - we'll provide the pre-approval letter.
Have Questions? Ask Our AI Mortgage Assistant
Not ready to talk with someone yet? That's fine.
Chat now with our Wisconsin Mortgage Assistant - get 24/7 answers about FHA loans, credit, docs, or anything mortgage-related.
Final Word
If you're buying a home in Wisconsin and looking for a low-down-payment option, an FHA loan could be your perfect fit.
Call or text Adam Zeman at (414) 975-2654
Email: azeman@uhm.com
Schedule a Mortgage Strategy Call: Calendly Link