2026 loan limits in Jefferson County, Wisconsin
In Jefferson 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 Jefferson 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 Jefferson County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Jefferson County?
$541,287 for a one-unit home.
More for Jefferson County
Jefferson County property taxesFHA loan limits toolWisconsin closing costsFort Atkinson 53538 market dataHelenville 53137 market dataIxonia 53036 market dataJefferson 53549 market dataJohnson Creek 53038 market dataLake Mills 53551 market dataPalmyra 53156 market dataSullivan 53178 market dataWaterloo 53594 market dataWatertown 53094 market data
2026 limits from HUD’s county files (Watertown-Fort Atkinson, Wi). Conforming limits are set by the Federal Housing Finance Agency.