For the year 2025, the FHA loan limits in New-Haven county, part of New Haven, CT, are structured as follows: for a single-family home, the limit is defined at $356,362. If your interest lies in a property comprising two units, the limit increases to $456,275. For properties that contain three units, the cap rises to $551,500, and for those consisting of four units, the maximum loan amount extends to $685,400. Understanding these defined limits is crucial for any potential FHA borrower, providing essential guidance on how much financing can be secured based on the number of units in the property you plan to acquire.
Concerning conventional loans, the maximum amounts are as follows: a single-family residence is eligible for borrowing up to $548,250. For a two-unit setup, the available loan cap is $702,000. When the property in question accommodates three units, the limit stretches to $848,500. For those housing four units, the top allowable loan is $1,054,500. These specifics are significant for planning financial structures under conventional loan systems, giving clarity on how much can be borrowed against different property configurations.
Our FHA calculator is an invaluable tool, shedding light on today’s most advantageous FHA rates. It is designed explicitly to help calculate down payments, validate income prerequisites, analyze credit requirements, reserve determinations, and outline necessary documentation for qualification. This tool is indispensable for easing the transition through the complexities of loan applications.
Embark on your home financing journey by comparing a wide spectrum of loan offers from 100 different lenders, helping you find the most accommodating terms and conditions aligned with your financial plans and homeownership ambitions.
The Lendersa® calculator is crafted to allow seamless comparisons of FHA rates and terms against a variety of other loan programs. This includes comparing with conventional loans, jumbo products, VA, USDA options, Non-QM, and hard money loans. Such a comprehensive review facilitates educated decision-making, ensuring you choose the loan option that best matches your financial landscape and plans.
By consolidating extensive loan data from thousands of lenders, Lendersa® quickly aligns your financial profile with the best-suited loan options available, thereby providing a tailored service adapting to your needs.
Consult the Loan Limits Comparison Table for 2025 in New-Haven county of New Haven, CT, for a detailed overview of loan limits across various categories like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilizing the Lendersa® Super Loan Integrated Qualifier (SLIQ™), you can further understand qualification factors such as income levels, reserves, and credit standing, ensuring an optimal financing path is chosen for your unique situation.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $305,900 | $305,900 | $305,900 | $305,900 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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