Today's FHA Loan Rates in Madison, WI
Here is your quote for a single family home as primary residence in WI 53703 with a purchase price of $310,881 and $10,881 down.
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Learn why Voyage costs lessGlossary of terms
The interest rate on your loan. Rates change daily until you lock. Your credit score, location, and property type all affect this number.
Annual Percentage Rate — a more complete picture of your loan cost. It includes the interest rate plus mortgage insurance, points, and some closing costs.
Additional services you'll pay for at close — appraisal, title, escrow, etc. We estimate $8,000–$12,000 for most loans. Your advisor can walk through the exact breakdown.
Paying points means more at closing for a lower rate. Taking credits means less at closing with a slightly higher rate. Ask your advisor what's right for you.




Logan was efficient and EASY to work with. The great rate was an added bonus!
Mark E.


Logan was efficient and EASY to work with. The great rate was an added bonus!
Mark E.




Closing was smooth and took only 30 minutes. I highly recommend the Voyage Home Loans team to anyone looking to buy a home!
Josh G.
FHA loan rates in Madison, Wisconsin are designed for buyers who want a lower down payment or are working with a credit score below conventional thresholds. With as little as 3.5% down, an FHA loan can make homeownership in Madison accessible to a wider range of buyers.
The FHA rates above are pulled directly from live wholesale lender pricing for Dane County, Wisconsin as of August 10, 2026. Voyage Home Loans shops dozens of wholesale lenders on every FHA loan to find you the most competitive pricing available.
FHA loans are a great fit for first-time homebuyers in Madison and the surrounding area. Our advisors will help you determine if FHA is the right program for your situation and guide you through a smooth, fast closing process.