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 USDA 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:

Quick Scroll
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 27300 31200 35100 38950 42100 45200 48300 51450
Apply Now LOW INCOME 43600 49850 56050 62300 67300 72250 77250 82250
MOD.INC-GUAR.LOAN 89550 89550 89550 89550 118200 118200 118200 118200
Kenosha County, WI HUD Metro FMR Area
VERY LOW INCOME 26050 29750 33450 37150 40150 43100 46100 49050
Apply Now LOW INCOME 41600 47550 53500 59450 64200 68950 73700 78450
MOD.INC-GUAR.LOAN 85450 85450 85450 85450 112800 112800 112800 112800
Duluth, MN-WI MSA
VERY LOW INCOME 25000 28600 32150 35700 38600 41450 44300 47150
Apply Now LOW INCOME 39950 45700 51400 57100 61650 66250 70800 75350
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Eau Claire, WI MSA
VERY LOW INCOME 25200 28800 32400 36000 38900 41800 44650 47550
Apply Now LOW INCOME 40300 46100 51850 57600 62200 66800 71400 76050
MOD.INC-GUAR.LOAN 82800 82800 82800 82800 109300 109300 109300 109300
Fond du Lac, WI MSA
VERY LOW INCOME 25450 29100 32750 36350 39300 42200 45100 48000
Apply Now LOW INCOME 40700 46500 52350 58150 62800 67450 72100 76750
MOD.INC-GUAR.LOAN 83600 83600 83600 83600 110350 110350 110350 110350
Green Bay, WI HUD Metro FMR Area
VERY LOW INCOME 27150 31000 34900 38750 41850 44950 48050 51150
Apply Now LOW INCOME 43400 49600 55800 62000 66950 71900 76900 81850
MOD.INC-GUAR.LOAN 89150 89150 89150 89150 117700 117700 117700 117700
Oconto County, WI HUD Metro FMR Area
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Janesville-Beloit, WI MSA
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
La Crosse-Onalaska, WI-MN MSA
VERY LOW INCOME 25350 29000 32600 36200 39100 42000 44900 47800
Apply Now LOW INCOME 40550 46300 52100 57900 62550 67150 71800 76450
MOD.INC-GUAR.LOAN 83250 83250 83250 83250 109900 109900 109900 109900
Columbia County, WI HUD Metro FMR Area
VERY LOW INCOME 26600 30400 34200 37950 41000 44050 47100 50100
Apply Now LOW INCOME 42500 48550 54650 60700 65550 70400 75250 80100
MOD.INC-GUAR.LOAN 87250 87250 87250 87250 115150 115150 115150 115150
Green County, WI HUD Metro FMR Area
VERY LOW INCOME 25450 29050 32700 36300 39250 42150 45050 47950
Apply Now LOW INCOME 40650 46500 52300 58100 62750 67400 72050 76700
MOD.INC-GUAR.LOAN 83500 83500 83500 83500 110200 110200 110200 110200
Iowa County, WI HUD Metro FMR Area
VERY LOW INCOME 25800 29500 33200 36850 39800 42750 45700 48650
Apply Now LOW INCOME 41250 47150 53050 58950 63650 68400 73100 77800
MOD.INC-GUAR.LOAN 84750 84750 84750 84750 111850 111850 111850 111850
Madison, WI HUD Metro FMR Area
VERY LOW INCOME 32100 36700 41300 45850 49550 53200 56900 60550
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Milwaukee-Waukesha-West Allis, WI MSA
VERY LOW INCOME 27100 30950 34800 38650 41750 44850 47950 51050
Apply Now LOW INCOME 43300 49500 55650 61850 66800 71750 76700 81650
MOD.INC-GUAR.LOAN 88900 88900 88900 88900 117350 117350 117350 117350
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area
VERY LOW INCOME 33050 37750 42450 47150 50950 54700 58500 62250
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Oshkosh-Neenah, WI MSA
VERY LOW INCOME 24900 28450 32000 35550 38400 41250 44100 46950
Apply Now LOW INCOME 39850 45500 51200 56900 61450 66000 70550 75100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Racine, WI MSA
VERY LOW INCOME 26250 30000 33750 37500 40500 43500 46500 49500
Apply Now LOW INCOME 42000 48000 54000 60000 64800 69600 74400 79200
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Sheboygan, WI MSA
VERY LOW INCOME 26150 29900 33650 37350 40350 43350 46350 49350
Apply Now LOW INCOME 41850 47800 53800 59750 64550 69300 74100 78850
MOD.INC-GUAR.LOAN 85900 85900 85900 85900 113400 113400 113400 113400
Wausau, WI MSA
VERY LOW INCOME 25450 29100 32750 36350 39300 42200 45100 48000
Apply Now LOW INCOME 40700 46500 52350 58150 62800 67450 72100 76750
MOD.INC-GUAR.LOAN 83600 83600 83600 83600 110350 110350 110350 110350
Adams County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ashland County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Barron County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bayfield County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Buffalo County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Burnett County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clark County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crawford County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dodge County, WI
VERY LOW INCOME 26150 29900 33650 37350 40350 43350 46350 49350
Apply Now LOW INCOME 41850 47800 53800 59750 64550 69300 74100 78850
MOD.INC-GUAR.LOAN 85900 85900 85900 85900 113400 113400 113400 113400
Door County, WI
VERY LOW INCOME 23950 27350 30750 34150 36900 39650 42350 45100
Apply Now LOW INCOME 38250 43700 49200 54650 59000 63400 67750 72150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dunn County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Florence County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Forest County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grant County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Green Lake County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Iron County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, WI
VERY LOW INCOME 26750 30550 34350 38150 41250 44300 47350 50400
Apply Now LOW INCOME 42750 48850 54950 61050 65950 70800 75700 80600
MOD.INC-GUAR.LOAN 87750 87750 87750 87750 115850 115850 115850 115850
Juneau County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lafayette County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Langlade County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Manitowoc County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marinette County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marquette County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Menominee County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Oneida County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pepin County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Polk County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Portage County, WI
VERY LOW INCOME 26850 30650 34500 38300 41400 44450 47500 50600
Apply Now LOW INCOME 42900 49050 55150 61300 66200 71100 76000 80900
MOD.INC-GUAR.LOAN 88100 88100 88100 88100 116300 116300 116300 116300
Price County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Richland County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Rusk County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sauk County, WI
VERY LOW INCOME 24100 27550 31000 34400 37200 39950 42700 45450
Apply Now LOW INCOME 38550 44050 49550 55050 59450 63850 68250 72650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sawyer County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Shawano County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Taylor County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Trempealeau County, WI
VERY LOW INCOME 23800 27200 30600 34000 36750 39450 42200 44900
Apply Now LOW INCOME 38100 43500 48950 54400 58750 63100 67450 71800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Vernon County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Vilas County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Walworth County, WI
VERY LOW INCOME 26150 29850 33600 37300 40300 43300 46300 49250
Apply Now LOW INCOME 41800 47750 53750 59700 64500 69250 74050 78800
MOD.INC-GUAR.LOAN 85800 85800 85800 85800 113250 113250 113250 113250
Washburn County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Waupaca County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Waushara County, WI
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wood County, WI
VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
Apply Now LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 
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!