In 2026, the FHA loan limits in Waterbury county within New Haven, CT, are set at $472,030 for a single-family home, $604,400 for a 2-unit property, $730,525 for 3 units, and $907,900 for 4 units.
Conventional loans offer a maximum of $726,200 for a single-family residence. For 2-unit homes, it's $929,850; for 3 units, it's $1,123,900; and for 4 units, the cap is $1,396,800.
Use our FHA calculator to view today’s best FHA rates and determine the needed downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those from other loan programs. Consider Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money options along with FHA.
Lendersa® gathers loan data from thousands of lenders, enabling quick comparisons with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waterbury, New Haven, CT, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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