USDA Vs. FHA Pro and Con comparison in Bethel, Fairfield County, CT
For 2026, the USDA loan ceiling in Bethel, within the county of Fairfield, CT, is listed as $556,600. At the same time, the FHA loan cap for a single-family dwelling is $707,250.
Utilize the Lendersa® USDA loan calculator to assess the best rates between USDA and FHA today. It aids in determining the income, credit, reserves, and required documents to qualify. With our sophisticated mortgage tool, examine USDA, FHA, Conforming, and VA loans side by side, enabling a well-informed decision for your financial circumstances in .
2026 Loan Caps and Initial Payment Needs in Bethel, Fairfield County, CT
Loan Category
Maximum Loan Amount
Initial Payment Percentage
USDA
$556,600
0%
FHA
$707,250
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loans in Bethel, CT
The aim of Lendersa® is to promptly provide you with optimal USDA or FHA loans, free from complications. Choose from three distinct starting options to connect with lenders and USDA loan offers.
A USDA home loan, guaranteed by the government's Department of Agriculture, also dubbed a USDA rural development loan or mortgage, is specifically available in rural areas. Unlike FHA loans which require a minimum 3.5% down payment, the USDA mortgage demands no down payment at all.
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