Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in DeForest, WI

Quick answer

The 2026 FHA loan limit in DeForest, WI (Dane County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $337,500 median home value, that down payment is about $11,813 and the estimated payment is $2,897/month at 7.18%, which needs roughly $125,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $106,223; value-to-income ratio 3.18. DeForest ranks 25 by home value and 90 by population among 96 places in our WI dataset.

What does an FHA loan cost on a typical DeForest home?

ItemDeForest
Median home value (Census ACS)$337,500
Wisconsin median home value$247,400
Down payment (3.5%)$11,813
Loan incl. 1.75% upfront MIP$331,387
Estimated monthly payment (PITI + MI)$2,897
Income needed (28% / 36%)$125,000 / $97,000
Dane County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Wisconsin's 1.51% effective property tax rate (Census ACS), $923/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in DeForest?

DeForest is in Dane County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The DeForest median home value of $337,500 is 36% above the Wisconsin median, and within what the county limit supports.

Which down payment assistance programs can DeForest buyers use?

FHA loans in nearby cities

WaunakeeSun PrairieMadisonMiddletonFitchburgVerona

FHA loan FAQs for DeForest

DeForest is in Dane County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $337,500 is about $11,813 with a 580+ credit score (10%, or $33,750, with a 500–579 score), plus closing costs.

At the $337,500 median value (above the Wisconsin median of $247,400), the estimated payment of $2,897/month at 7.18% needs about $125,000 a year under the 28% housing guideline, or $97,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 0 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in DeForest

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.