2026 loan limits in Dane County, Wisconsin
In Dane County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Dane County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Dane County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Dane County?
$541,287 for a one-unit home.
More for Dane County
Dane County property taxesFHA loan limits toolWisconsin closing costsBelleville 53508 market dataBlack Earth 53515 market dataBlue Mounds 53517 market dataCambridge 53523 market dataCottage Grove 53527 market dataCross Plains 53528 market dataDane 53529 market dataDeerfield 53531 market dataDeforest 53532 market dataMadison 53703 market data
2026 limits from HUD’s county files (Madison, Wi). Conforming limits are set by the Federal Housing Finance Agency.