When it comes to exploring the affordable home loan options in the heartland of America’s “Dairy Land,” the USDA Loan Program is a great option. Designed to make the dream of home ownership a reality for the residents of Wisconsin, these no money down home loans were designed to help strengthen many of this great state’s already strong rural communities.

Benefits of the Wisconsin USDA Home Loan program include:

  • No Wisconsin loan amount limitations
  • $0 down, 100% financing is available
  • No Wisconsin monthly mortgage insurance
  • Lower income families and those with blemished credit may qualify

Wisconsin Areas that Qualify for a USDA Loan

At Consumer Real Estate Finance Co., we recognize that the term “Rural Development Loan” can be somewhat misleading. For this reason it is important to note that government backed USDA Loans are not restricted solely to Wisconsin farmers. On the flipside, areas located all across this state are USDA Loan eligible, some of which lie right outside major metropolitan areas. A good rule of thumb is to focus on communities that are located outside of the city limits and have less than 20,000 residents.

To learn if you may be eligible, the experts at Consumer Real Estate Finance Co. are here to answer all your loan program questions. For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Wisconsin’s USDA Loan Income Limits by County

Some of the eligibility restrictions that determine if you qualify for a Wisconsin USDA Loan include the county and zip code the property resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Wisconsin USDA Home Loan cannot exceed their county’s set limit:

STATE:WISCONSIN PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Appleton WI MSA VERY LOW INCOME 25800 29450 33150 36800 39750 42700 45650 48600
LOW INCOME 41250 47100 53000 58900 63600 68300 73050 77750
MOD.INC-GUAR.LOAN 84650 84650 84650 84650 111750 111750 111750 111750
Chicago-Joliet-Naperville IL-IN-WI MSA Kenosha County WI HUD Metro FMR Area VERY LOW INCOME 25250 28850 32450 36050 38950 41850 44750 47600
LOW INCOME 40400 46150 51950 57700 62300 66950 71550 76150
MOD.INC-GUAR.LOAN 82950 82950 82950 82950 109500 109500 109500 109500
Duluth MN-WI MSA VERY LOW INCOME 22550 25750 28950 32150 34750 37300 39900 42450
LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Eau Claire WI MSA VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 75100 75100 75100 75100 99150 99150 99150 99150
Fond du Lac WI MSA VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 78000 78000 78000 78000 102950 102950 102950 102950
Green Bay WI MSA Green Bay WI HUD Metro FMR Area VERY LOW INCOME 24000 27400 30850 34250 37000 39750 42500 45250
LOW INCOME 38350 43850 49300 54800 59200 63550 67950 72350
MOD.INC-GUAR.LOAN 78800 78800 78800 78800 104000 104000 104000 104000
Oconto County WI HUD Metro FMR Area VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Janesville WI MSA VERY LOW INCOME 22900 26200 29450 32700 35350 37950 40550 43200
LOW INCOME 36600 41850 47050 52300 56500 60650 64850 69050
MOD.INC-GUAR.LOAN 75200 75200 75200 75200 99250 99250 99250 99250
a Crosse WI-MN MSA VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 79550 79550 79550 79550 105000 105000 105000 105000
Columbia County WI HUD Metro FMR Area VERY LOW INCOME 24800 28350 31900 35400 38250 41100 43900 46750
LOW INCOME 39650 45300 51000 56650 61200 65700 70250 74800
MOD.INC-GUAR.LOAN 81450 81450 81450 81450 107500 107500 107500 107500
Iowa County WI HUD Metro FMR Area VERY LOW INCOME 25200 28800 32400 35950 38850 41750 44600 47500
LOW INCOME 40250 46000 51750 57500 62100 66700 71300 75900
MOD.INC-GUAR.LOAN 82650 82650 82650 82650 109100 109100 109100 109100
Madison WI HUD Metro FMR Area VERY LOW INCOME 29050 33200 37350 41450 44800 48100 51400 54750
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Minneapolis-St. Paul-Bloomington MN-WI MSA VERY LOW INCOME 29400 33600 37800 42000 45400 48750 52100 55450
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Oshkosh-Neenah WI MSA VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Racine WI MSA VERY LOW INCOME 24400 27900 31400 34850 37650 40450 43250 46050
LOW INCOME 39050 44600 50200 55750 60200 64650 69150 73600
MOD.INC-GUAR.LOAN 80150 80150 80150 80150 105800 105800 105800 105800
Sheboygan WI MSA VERY LOW INCOME 24750 28250 31800 35300 38150 40950 43800 46600
LOW INCOME 39550 45200 50850 56500 61000 65550 70050 74600
MOD.INC-GUAR.LOAN 81200 81200 81200 81200 107200 107200 107200 107200
Wausau WI MSA VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 79550 79550 79550 79550 105000 105000 105000 105000
Adams County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ashland County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Barron County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bayfield County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Buffalo County WI VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Burnett County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clark County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crawford County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dodge County WI VERY LOW INCOME 23350 26650 30000 33300 36000 38650 41300 44000
LOW INCOME 37300 42650 47950 53300 57550 61850 66100 70350
MOD.INC-GUAR.LOAN 76600 76600 76600 76600 101100 101100 101100 101100
Door County WI VERY LOW INCOME 22400 25600 28800 31950 34550 37100 39650 42200
LOW INCOME 35750 40900 46000 51100 55200 59300 63350 67450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dunn County WI VERY LOW INCOME 23000 26250 29550 32800 35450 38050 40700 43300
LOW INCOME 36750 42000 47250 52500 56700 60900 65100 69300
MOD.INC-GUAR.LOAN 75450 75450 75450 75450 99600 99600 99600 99600
Florence County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Forest County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grant County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Green County WI VERY LOW INCOME 23850 27250 30650 34050 36800 39500 42250 44950
LOW INCOME 38150 43600 49050 54500 58850 63200 67600 71950
MOD.INC-GUAR.LOAN 78350 78350 78350 78350 103400 103400 103400 103400
Green Lake County WI VERY LOW INCOME 23050 26350 29650 32900 35550 38200 40800 43450
LOW INCOME 36850 42100 47400 52650 56850 61050 65300 69500
MOD.INC-GUAR.LOAN 75700 75700 75700 75700 99900 99900 99900 99900
Iron County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County WI VERY LOW INCOME 24850 28400 31950 35450 38300 41150 44000 46800
LOW INCOME 39700 45350 51050 56700 61250 65750 70300 74850
MOD.INC-GUAR.LOAN 81500 81500 81500 81500 107600 107600 107600 107600
Juneau County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lafayette County WI VERY LOW INCOME 21700 24800 27900 31000 33500 36000 38450 40950
LOW INCOME 34700 39700 44650 49600 53550 57550 61500 65450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Langlade County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County WI VERY LOW INCOME 22050 25200 28350 31450 34000 36500 39000 41550
LOW INCOME 35200 40250 45250 50300 54300 58350 62350 66400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Manitowoc County WI VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 75550 75550 75550 75550 99750 99750 99750 99750
Marinette County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marquette County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Menominee County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County WI VERY LOW INCOME 22000 25150 28300 31400 33950 36450 38950 41450
LOW INCOME 35200 40200 45250 50250 54250 58300 62300 66350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Oneida County WI VERY LOW INCOME 21750 24850 27950 31050 33550 36050 38550 41000
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pepin County WI VERY LOW INCOME 21550 24600 27700 30750 33250 35700 38150 40600
LOW INCOME 34450 39350 44300 49200 53150 57050 61000 64950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Polk County WI VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Portage County WI VERY LOW INCOME 24450 27950 31450 34900 37700 40500 43300 46100
LOW INCOME 39100 44700 50250 55850 60300 64800 69250 73700
MOD.INC-GUAR.LOAN 80300 80300 80300 80300 106000 106000 106000 106000
Price County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Richland County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rusk County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sauk County WI VERY LOW INCOME 23600 27000 30350 33700 36400 39100 41800 44500
LOW INCOME 37750 43100 48500 53900 58200 62500 66850 71150
MOD.INC-GUAR.LOAN 77500 77500 77500 77500 102300 102300 102300 102300
Sawyer County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shawano County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Taylor County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Trempealeau County VERY LOW INCOME 21600 24650 27750 30800 33300 35750 38200 40700
LOW INCOME 34500 39450 44350 49300 53250 57200 61150 65100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Vernon County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Vilas County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Walworth County WI VERY LOW INCOME 25600 29250 32900 36550 39500 42400 45350 48250
LOW INCOME 40950 46800 52650 58500 63200 67850 72550 77200
MOD.INC-GUAR.LOAN 84100 84100 84100 84100 111000 111000 111000 111000
Washburn County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Waupaca County WI VERY LOW INCOME 21950 25100 28250 31350 33900 36400 38900 41400
LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Waushara County WI VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wood County WI VERY LOW INCOME 22000 25100 28250 31400 33900 36400 38950 41450
LOW INCOME 35200 40200 45250 50250 54250 58300 62300 66350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 
As a resident of the great state of Wisconsin, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!