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Jumbo loans in Wisconsin

Quick answer

Jumbo loans in Wisconsin are needed for loan amounts above $832,750 (higher in designated high-cost counties) and typically require 10%–20% down and 700+ credit.

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

Jumbo loan snapshot for Wisconsin

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical WI home value$247,400
3.5% down on typical home$8,659
20% down on typical home$49,480
Avg. effective property tax1.51%/yr (~$312/mo)
Income for typical home (31% rule)$83,000

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

Which Wisconsin programs pair with Jumbo loans?

  • WHEDA Advantage: FHA and conventional first mortgages for first-time and repeat buyers.
  • Easy Close DPA: A second loan for down payment and closing costs.

Details and current limits: Wisconsin Housing and Economic Development Authority (WHEDA).

Jumbo loan requirements

  • Credit: 700–720 minimum at many lenders.
  • DTI: often 43% or lower.
  • Reserves: 6–12+ months of principal, interest, taxes and insurance.
  • Full documentation; sometimes two appraisals for very large loans.

Alternatives to a jumbo loan

Some buyers use a 'piggyback' structure — a conforming first mortgage plus a second loan — to avoid jumbo requirements. A larger down payment that brings the loan under the conforming limit is another option.

Jumbo loans in Wisconsin cities

MilwaukeeMadisonGreen BayKenoshaRacineAppletonWaukeshaEau ClaireOshkoshJanesvilleWest AllisLa CrosseSheboyganWauwatosaFond du LacBrookfieldNew BerlinWausauMenomonee FallsGreenfieldBeloitOak CreekSun PrairieFranklinManitowocWest BendFitchburgMount PleasantNeenahSuperiorStevens PointDe PereCaledoniaMequonMuskegoWatertownMiddletonPleasant PrairieGermantownSouth MilwaukeeHowardFox CrossingOnalaskaWisconsin RapidsMarshfieldOconomowocMenashaCudahyKaukaunaAshwaubenonBeaver DamMenomonieRiver FallsBellevuePewaukeeWestonHartfordWhitewaterHudsonWaunakeeWhitefish BayGreendaleChippewa FallsSalem LakesVeronaAllouezPloverShorewoodHarrisonGlendaleStoughtonSuamicoGreenvilleBrown DeerPort WashingtonBarabooFort AtkinsonCedarburgGraftonLittle ChuteRichfieldSussexPlattevilleOregonWaupunTwo RiversMarinetteHolmenBurlingtonDeForestMonroeHobartPortageNew RichmondElkhornReedsburg

Frequently asked questions

Yes. Jumbo loans are available statewide in Wisconsin through approved lenders, subject to county loan limits where they apply.

Often yes. Wisconsin Housing and Economic Development Authority (WHEDA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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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.