Explore the differences! FHA VS Conventional loan programs in Southbury, New Haven County, Connecticut

In 2026, the limit for a Conventional loan in Southbury, located in New Haven county, CT, is $726,200. The FHA loan limit for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates among Conventional, FHA, and USDA loans. Assess the required income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to compare Conforming Conventional loans, USDA, FHA, and VA choices to help you select the most suitable program for your financial situation in CT.

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2026 Loan Limits and Down Payment Requirements in Southbury, New Haven, CT

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is applicable to the following zip codes: 06488

Explore Conventional and FHA Loan Opportunities in Southbury, CT

The aim of Lendersa® is to quickly connect you with the best Conventional, USDA, or FHA loan in a seamless process. Choose from one of three starting options to find matching lenders and the best loan programs.

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Southbury Lenders

  • Creative Mortgage Group LLC D|B|A First Capital Lending
  • 441 Oxford Road, Suite 2C, Oxford, CT, 06478
  • Lends in Connecticut
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • Waterbury CT Teachers Federal Credit Union
  • 773 Straits Turnpike, Middlebury, CT, 06762
  • Lends in Connecticut
  • Waterbury CT Teachers Federal Credit Union (WCTFCU) is a member-owned, not-for-profit financial institution offering personal accounts, loans, and credit cards, with competitive rates and exceptional service, to our members. Our 19, 000+ membership includes current, former & retired teachers, school staff, administrators, and their families.

  • DML Mortgage
  • 777 Old Rte 7, Suite 7, Brookfield, CT, 06804
  • Lends in Connecticut
  • DML Mortgage was founded by David M. Lichtman. With over 15,000 loans closed, DML Mortgage has assisted many people in achieving their dream of home ownership.For more than 25 years in business, Mr. Lichtman has always stood for persistence, honesty and integrity. DML Mortgage provides Fixed Range Mortgage 30,20,15 Years Conforming, Jumbo Mortgage

  • AFC Mortgage Group, LLC
  • 227 Monroe Tpke, Monroe, CT, 06468
  • Lends in Connecticut
  • "AFC Mortgage Group has been a leading mortgage provider in the tri-state area for over 20 years.



    We are a mortgage lender based in Monroe, CT, where your best interest is our priority. From beginning to end, our simplified loan process ensures that you can walk away feeling completely satisfied with your entire experience."

  • Regina Capital
  • 20 Scenic Hill Lane, Monroe, CT, 06468
  • Lends in Connecticut
  • Regina Capital LLC is a private lending firm that provides private mortgages and hard money loans for commercial real estate transactions in New York, New Jersey, Connecticut, and Massachusetts.

    At Regina Capital we pride ourselves by doing business with honesty and integrity.
    Regina Capital has been in the private lending field since 1999

  • Ion Bank
  • 87 Church Street, Naugatuck, CT, 06770
  • Lends in Connecticut
  • Ion Financial, MHC is an independent financial services company committed to building lifetime relationships by partnering with our customers to help them identify and achieve their financial goals.We seek profitable growth while delivering superior customer service and offering a comprehensive package of progressive financial products.

  • SoundView Financial Credit Union
  • 14 Research Dr, Bethel, CT, 06801
  • Lends in Connecticut
  • The SoundView Financial Credit Union is a member-owned financial cooperative. Members of the Credit Union include those who live, work, worship, or volunteer in the Connecticut counties of Fairfield and Litchfield, all P&G/Gillette/Duracell employees, as well as employees from other member companies in the greater Danbury area.

  • Western Connecticut Federal Credit Union
  • 2 Stony Hill Road, Bethel, CT, 06801
  • Lends in Connecticut
  • Western CT Federal Credit Union (WCFCU) is a member-owned, not-for-profit, financial cooperative based in Bethel, Connecticut. WCFCU is a customer-centric credit union focused on creating a positive financial experience by delivering personalized service along with technology-oriented features to meet the needs of members.

  • Connecticut Home Financing, LLC
  • 33 Redwood Dr., Bethel, CT, 06801
  • Lends in Connecticut
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.