Oshkosh FHA Loan Rates, Closing Costs & Stats

OSHKOSH-NEENAH, WI

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Oshkosh's 62 lenders originated 257 FHA loans during 2024. The total origination value was $54,065,000, with an average FHA loan value of $210,370.

    Oshkosh FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Oshkosh averaged 6.24% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Oshkosh's average FHA mortgage closing costs are $6,247.

    The average rate for the prior week (2025-03-28) was 6.64% and one month ago for the week of 2025-02-28, the average rate was 6.62%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.11%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Oshkosh FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Oshkosh level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 24 6.46% $9,957
    GUILD MORTGAGE COMPANY 18 6.82% $8,049
    PENNYMAC LOAN SERVICES, LLC 16 6.27% $8,148
    PRIMARY RESIDENTIAL MORTGAGE, INC. 11 7.03% $10,803
    FREEDOM MORTGAGE CORPORATION 11 6.61% $8,498
    UNITED WHOLESALE MORTGAGE, LLC 10 6.02% $10,641
    Nations Lending Corporation 9 7.06% $9,126
    LOANDEPOT.COM, LLC 8 6.53% $9,256
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.70% $10,419
    Associated Bank 6 6.38% $5,691
    Waterstone Mortgage Corporation 6 7.38% $9,231
    Home State Bank 6 6.89% $7,418
    BROKER SOLUTIONS, INC. 5 6.65% $12,375
    LAKEVIEW LOAN SERVICING, LLC 5 6.83% $7,963
    GUARANTEED RATE, INC. 5 6.90% $8,845
    U.S. Bank 5 6.35% $7,830
    Paramount Residential Mortgage Group, Inc. 4 6.66% $8,478
    Ixonia Bank 4 7.03% $9,259
    TOWNE MORTGAGE COMPANY 3 6.92% $9,217
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.75% $11,893
    FIRST COLONY MORTGAGE CORPORATION 3 6.58% $12,584
    V.I.P. MORTGAGE, INC. 3 6.29% $6,022
    Carrington Mortgage Services, LLC 3 6.50% $10,921
    CARDINAL FINANCIAL 3 6.79% $11,554
    First Federal Bank 3 7.00% $6,404
    MICHIGAN MUTUAL, INC. 2 6.25% $10,573
    Mr. Cooper ( Nationstar Mortgage ) 2 7.25% $12,830
    PLANET HOME LENDING, LLC 2 6.44% $4,083
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.50% $6,216
    AMERICAN FINANCIAL NETWORK, INC. 2 6.69% $11,848
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.31% $8,309
    ZILLOW HOME LOANS, LLC 2 5.81% $10,427
    LOANPAL, LLC 2 6.13% $12,554
    Mortgage Research Center, LLC 2 6.81% $6,435
    UNION HOME MORTGAGE CORP. 1 7.13% $10,556
    AMERICAN FINANCING CORPORATION 1 6.00% $9,111
    American Mortgage & Equity Consultants, Inc. 1 6.50% $7,893
    AmeriHome Mortgage Company, LLC 1 6.63% $5,611
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $7,733
    AXIA FINANCIAL, LLC 1 6.75% $12,185
    Bank Five Nine 1 6.50% $9,068
    Barrington Bank & Trust Company, N.A. 1 7.50% $5,951
    BMO Harris Bank 1 7.13% $5,251
    Century Mortgage Company DBA Century Lending Company 1 6.25% $9,132
    CHURCHILL MORTGAGE CORPORATION 1 7.50% $4,314
    ENDEAVOR CAPITAL, LLC. 1 6.49% $5,584
    Equity Prime Mortgage LLC 1 7.75% $8,834
    Flagstar Bank, FSB 1 6.63% $11,773
    GSF Mortgage Corporation 1 6.25% $8,714
    GUARANTEED RATE AFFINITY, LLC 1 6.75% $8,112
    MOVEMENT MORTGAGE, LLC 1 7.25% $8,187
    M&T Bank 1 6.25% $5,798
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $8,928
    NEWREZ LLC 1 6.13% $15,918
    Old National Bank 1 5.63% $5,726
    Paramount Bank 1 6.25% $9,825
    POINT Mortgage 1 6.50% $8,109
    Prosperity Home Mortgage, LLC 1 6.13% $6,973
    Sierra Pacific Mortgage Company, Inc. 1 6.13% $13,493
    The Huntington National Bank 1 6.75% $5,249
    VILLAGE CAPITAL MORTGAGE 1 6.63% $2,279
    Wolfe Financial, Inc 1 7.63% $12,151

    The top Oshkosh FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 24 FHA loans originated. Their average total fees are $9,957, which is $1,908 higher than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee Oshkosh FHA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY ($8,049), PENNYMAC LOAN SERVICES, LLC ($8,148), FREEDOM MORTGAGE CORPORATION ($8,498), QUICKEN LOANS, LLC ($9,957) and UNITED WHOLESALE MORTGAGE, LLC ($10,641).

    The lowest rate Oshkosh FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.02%), PENNYMAC LOAN SERVICES, LLC (6.27%), QUICKEN LOANS, LLC (6.46%), FREEDOM MORTGAGE CORPORATION (6.61%) and GUILD MORTGAGE COMPANY (6.82%).

    Oshkosh FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    OSHKOSH-NEENAH, WI WINNEBAGO 2022 $420,680 $538,650 $651,050 $809,150
    OSHKOSH-NEENAH, WI WINNEBAGO 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $155,000 (9.4%) $228,533 (6.9%) 0.57 545
    2018-02-01 $155,000 (6.1%) $226,314 (4.8%) 0.56 597
    2018-03-01 $169,900 (14.5%) $236,652 (8.0%) 0.60 613
    2018-04-01 $204,900 (29.8%) $291,577 (31.3%) 0.69 359
    2018-05-01 $215,000 (33.2%) $297,468 (32.6%) 0.72 371
    2018-06-01 $199,900 (28.6%) $281,187 (26.5%) 0.67 393
    2018-07-01 $183,950 (18.8%) $279,026 (27.0%) 0.61 403
    2018-08-01 $182,500 (21.3%) $272,966 (24.0%) 0.61 423
    2018-09-01 $182,500 (17.8%) $266,236 (16.5%) 0.61 421
    2018-10-01 $177,175 (14.3%) $265,491 (16.7%) 0.60 417
    2018-11-01 $174,500 (12.7%) $262,548 (18.3%) 0.59 409
    2018-12-01 $169,900 (13.3%) $261,212 (17.4%) 0.59 369
    2019-01-01 $164,763 (6.3%) $263,819 (15.4%) 0.57 340
    2019-02-01 $184,450 (19.0%) $274,368 (21.2%) 0.62 317
    2019-03-01 $190,807 (12.3%) $283,227 (19.7%) 0.62 300
    2019-04-01 $190,057 (-7.2%) $285,451 (-2.1%) 0.60 288
    2019-05-01 $209,900 (-2.4%) $290,766 (-2.3%) 0.66 301
    2019-06-01 $204,950 (2.5%) $287,178 (2.1%) 0.64 330
    2019-07-01 $217,450 (18.2%) $291,164 (4.4%) 0.68 372
    2019-08-01 $222,200 (21.8%) $300,239 (10.0%) 0.70 387
    2019-09-01 $218,150 (19.5%) $294,536 (10.6%) 0.70 411
    2019-10-01 $215,450 (21.6%) $290,733 (9.5%) 0.70 419
    2019-11-01 $209,900 (20.3%) $289,396 (10.2%) 0.69 391
    2019-12-01 $219,900 (29.4%) $288,807 (10.6%) 0.73 337
    2020-01-01 $224,975 (36.5%) $282,310 (7.0%) 0.75 292
    2020-02-01 $237,500 (28.8%) $297,425 (8.4%) 0.78 272
    2020-03-01 $257,150 (34.8%) $327,715 (15.7%) 0.81 265
    2020-04-01 $266,700 (40.3%) $332,232 (16.4%) 0.84 259
    2020-05-01 $259,900 (23.8%) $335,805 (15.5%) 0.79 239
    2020-06-01 $264,650 (29.1%) $354,056 (23.3%) 0.78 223
    2020-07-01 $256,725 (18.1%) $355,214 (22.0%) 0.74 206
    2020-08-01 $232,400 (4.6%) $328,715 (9.5%) 0.67 212
    2020-09-01 $233,725 (7.1%) $336,046 (14.1%) 0.67 209
    2020-10-01 $225,000 (4.4%) $344,265 (18.4%) 0.64 196
    2020-11-01 $218,225 (4.0%) $328,632 (13.6%) 0.64 183
    2020-12-01 $219,200 (-0.3%) $353,280 (22.3%) 0.65 159
    2021-01-01 $230,000 (2.2%) $381,203 (35.0%) 0.69 121
    2021-02-01 $232,450 (-2.1%) $388,205 (30.5%) 0.68 117
    2021-03-01 $238,675 (-7.2%) $389,385 (18.8%) 0.68 111
    2021-04-01 $232,500 (-12.8%) $373,084 (12.3%) 0.63 117
    2021-05-01 $264,900 (1.9%) $367,714 (9.5%) 0.70 142
    2021-06-01 $254,625 (-3.8%) $363,523 (2.7%) 0.67 157
    2021-07-01 $229,900 (-10.5%) $347,308 (-2.2%) 0.61 162
    2021-08-01 $236,150 (1.6%) $335,309 (2.0%) 0.63 183
    2021-09-01 $233,675 (0.0%) $337,910 (0.6%) 0.62 187
    2021-10-01 $239,000 (6.2%) $348,646 (1.3%) 0.64 180
    2021-11-01 $251,975 (15.5%) $351,785 (7.1%) 0.67 170
    2021-12-01 $230,000 (4.9%) $322,186 (-8.8%) 0.62 138
    2022-01-01 $249,900 (8.7%) $338,529 (-11.2%) 0.68 103
    2022-02-01 $242,400 (4.3%) $340,789 (-12.2%) 0.63 97
    2022-03-01 $282,425 (18.3%) $366,632 (-5.8%) 0.71 74
    2022-04-01 $279,900 (20.4%) $345,926 (-7.3%) 0.67 94
    2022-05-01 $292,675 (10.5%) $348,127 (-5.3%) 0.67 124
    2022-06-01 $288,720 (13.4%) $342,091 (-5.9%) 0.64 152
    2022-07-01 $259,900 (13.1%) $332,615 (-4.2%) 0.59 168
    2022-08-01 $293,725 (24.4%) $354,521 (5.7%) 0.68 172
    2022-09-01 $274,925 (17.7%) $348,623 (3.2%) 0.64 146
    2022-10-01 $269,900 (12.9%) $333,526 (-4.3%) 0.64 160
    2022-11-01 $287,200 (14.0%) $346,333 (-1.6%) 0.69 163
    2022-12-01 $279,900 (21.7%) $351,788 (9.2%) 0.69 153
    2023-01-01 $336,400 (34.6%) $409,667 (21.0%) 0.83 114
    2023-02-01 $370,150 (52.7%) $442,578 (29.9%) 0.89 103
    2023-03-01 $373,425 (32.2%) $443,724 (21.0%) 0.88 92
    2023-04-01 $331,987 (18.6%) $407,724 (17.9%) 0.77 113
    2023-05-01 $314,550 (7.5%) $395,385 (13.6%) 0.71 109
    2023-06-01 $333,700 (15.6%) $398,872 (16.6%) 0.75 118
    2023-07-01 $319,900 (23.1%) $401,434 (20.7%) 0.73 120
    2023-08-01 $335,550 (14.2%) $402,753 (13.6%) 0.77 119
    2023-09-01 $317,250 (15.4%) $395,294 (13.4%) 0.74 139
    2023-10-01 $314,900 (16.7%) $380,025 (13.9%) 0.74 151
    2023-11-01 $317,400 (10.5%) $378,299 (9.2%) 0.76 153
    2023-12-01 $294,900 (5.4%) $379,696 (7.9%) 0.72 136
    2024-01-01 $307,200 (-8.7%) $386,872 (-5.6%) 0.75 111
    2024-02-01 $324,800 (-12.3%) $400,739 (-9.5%) 0.78 101
    2024-03-01 $349,500 (-6.4%) $435,520 (-1.9%) 0.82 115
    2024-04-01 $358,550 (8.0%) $449,684 (10.3%) 0.83 145
    2024-05-01 $389,675 (23.9%) $457,793 (15.8%) 0.89 151
    2024-06-01 $364,900 (9.4%) $420,851 (5.5%) 0.83 149
    2024-07-01 $348,675 (9.0%) $419,591 (4.5%) 0.80 149
    2024-08-01 $329,900 (-1.7%) $406,834 (1.0%) 0.77 190
    2024-09-01 $304,900 (-3.9%) $380,716 (-3.7%) 0.72 205
    2024-10-01 $312,400 (-0.8%) $372,270 (-2.0%) 0.74 213
    2024-11-01 $319,900 (0.8%) $374,643 (-1.0%) 0.77 230
    2024-12-01 $299,925 (1.7%) $365,928 (-3.6%) 0.75 204
    2025-01-01 $304,900 (-0.8%) $367,554 (-5.0%) 0.76 183
    2025-02-01 $341,125 (5.0%) $394,467 (-1.6%) 0.83 146
    2025-03-01 $339,900 (-2.8%) $403,298 (-7.4%) 0.00 138
    Oshkosh's median listing price for 2025-03-01 was $339,900, a difference of $-9,600 (-2.8%) versus the prior year and $-1,225 versus the prior month.

    Oshkosh's median listing price comes in at 0% of the national average.

    Oshkosh's average listing price for 2025-03-01 was $403,298, a difference of $-32,222 (-7.4%) versus the prior year and $8,831 versus the prior month.

    For the 2025-03-01 period, Oshkosh had 138 MLS listings, a difference of -8 listings (-5%) versus the prior month and 23 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 84 days 1,686 sqft
    2018-02-01 74 days 1,672 sqft
    2018-03-01 53 days 1,731 sqft
    2018-04-01 55 days 1,811 sqft
    2018-05-01 52 days 1,827 sqft
    2018-06-01 50 days 1,807 sqft
    2018-07-01 52 days 1,736 sqft
    2018-08-01 53 days 1,740 sqft
    2018-09-01 52 days 1,759 sqft
    2018-10-01 57 days 1,704 sqft
    2018-11-01 65 days 1,669 sqft
    2018-12-01 81 days 1,661 sqft
    2019-01-01 91 days 1,665 sqft
    2019-02-01 88 days 1,677 sqft
    2019-03-01 75 days 1,706 sqft
    2019-04-01 62 days 1,732 sqft
    2019-05-01 49 days 1,776 sqft
    2019-06-01 47 days 1,822 sqft
    2019-07-01 50 days 1,823 sqft
    2019-08-01 52 days 1,840 sqft
    2019-09-01 51 days 1,804 sqft
    2019-10-01 52 days 1,780 sqft
    2019-11-01 64 days 1,799 sqft
    2019-12-01 80 days 1,776 sqft
    2020-01-01 82 days 1,750 sqft
    2020-02-01 68 days 1,776 sqft
    2020-03-01 53 days 1,818 sqft
    2020-04-01 56 days 1,881 sqft
    2020-05-01 68 days 1,824 sqft
    2020-06-01 58 days 1,842 sqft
    2020-07-01 52 days 1,870 sqft
    2020-08-01 50 days 1,790 sqft
    2020-09-01 50 days 1,786 sqft
    2020-10-01 59 days 1,800 sqft
    2020-11-01 56 days 1,771 sqft
    2020-12-01 63 days 1,761 sqft
    2021-01-01 79 days 1,763 sqft
    2021-02-01 68 days 1,836 sqft
    2021-03-01 45 days 1,752 sqft
    2021-04-01 41 days 1,729 sqft
    2021-05-01 29 days 1,740 sqft
    2021-06-01 31 days 1,779 sqft
    2021-07-01 44 days 1,725 sqft
    2021-08-01 38 days 1,721 sqft
    2021-09-01 45 days 1,615 sqft
    2021-10-01 47 days 1,642 sqft
    2021-11-01 51 days 1,693 sqft
    2021-12-01 54 days 1,690 sqft
    2022-01-01 57 days 1,765 sqft
    2022-02-01 40 days 1,613 sqft
    2022-03-01 43 days 1,726 sqft
    2022-04-01 25 days 1,610 sqft
    2022-05-01 24 days 1,662 sqft
    2022-06-01 22 days 1,709 sqft
    2022-07-01 32 days 1,652 sqft
    2022-08-01 40 days 1,664 sqft
    2022-09-01 43 days 1,672 sqft
    2022-10-01 42 days 1,652 sqft
    2022-11-01 49 days 1,700 sqft
    2022-12-01 51 days 1,651 sqft
    2023-01-01 61 days 1,700 sqft
    2023-02-01 59 days 1,753 sqft
    2023-03-01 46 days 1,812 sqft
    2023-04-01 34 days 1,788 sqft
    2023-05-01 37 days 1,749 sqft
    2023-06-01 38 days 1,837 sqft
    2023-07-01 30 days 1,888 sqft
    2023-08-01 37 days 1,906 sqft
    2023-09-01 32 days 1,847 sqft
    2023-10-01 35 days 1,830 sqft
    2023-11-01 42 days 1,788 sqft
    2023-12-01 48 days 1,769 sqft
    2024-01-01 48 days 1,702 sqft
    2024-02-01 41 days 1,787 sqft
    2024-03-01 29 days 1,847 sqft
    2024-04-01 27 days 1,852 sqft
    2024-05-01 34 days 1,836 sqft
    2024-06-01 37 days 1,902 sqft
    2024-07-01 35 days 1,970 sqft
    2024-08-01 29 days 1,829 sqft
    2024-09-01 35 days 1,741 sqft
    2024-10-01 37 days 1,700 sqft
    2024-11-01 36 days 1,660 sqft
    2024-12-01 51 days 1,651 sqft
    2025-01-01 60 days 1,692 sqft
    2025-02-01 59 days 1,712 sqft
    2025-03-01 0 days 1,743 sqft
    Oshkosh's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Oshkosh's median square footage for active listings during the 2025-03-01 period was 1,743 sqft. One year prior, the average listing was 1,847 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).