USDA Vs. FHA Pro and Con comparison in Bridgeport, Fairfield County, CT

During 2026 in Bridgeport, located in Fairfield county of CT, the USDA loan limit amounts to $556,600, while the FHA loan cap is $707,250 for a single-family property.

Employ the Lendersa® USDA loan calculator to assess and contrast today's most favorable USDA and FHA rates. This will help you gauge the income, credit rating, reserves, and paperwork needed for qualification. Our advanced tool displays USDA, FHA, Conforming, and VA loans side by side to aid in choosing the ideal program for your financial situation in .

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2026 Loan Limits and Down Payment Needs in Bridgeport, Fairfield County, CT

Loan Category Maximum Loan Down Payment
USDA $556,600 0%
FHA $707,250 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Choices in Bridgeport, CT

Lendersa® aims to secure you the exemplary USDA or FHA loan promptly and smoothly. You have the option to select one of three initial paths that link you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CT

A USDA home loan is one guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, offered exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans necessitate no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Greenway Mortgage Funding Corp
  • 107 Tindall Rd, Suite 14, Middletown, NJ, 07748
  • Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
  • Picatinny Federal Credit Union
  • 100 Mineral Springs Drive, Dover, NJ, 07801
  • Founded as a one-branch credit union serving Picatinny Arsenal in 1939, we have continued to grow and evolve in tandem with the community we serve. In 2005, Picatinny was approved for a Community Charter, with membership now open to anyone who lives, works, worships or goes to school in Morris County, as well as their immediate families.
  • National Funding Services, LLC
  • 416 Smith St, Perth Amboy, NJ, 08861
  • Our mission is to open the field for all investors who may have yet to get a chance through traditional banking institutions to get funding for their business and commercial endeavors. In today's commercial lending market, traditional banks have a very narrow scope for approvals; we can expand the spectrum of lending guidelines by opening fund
  • United Poles Federal Credit Union
  • 412 New Brunswick Avenue, Perth Amboy, NJ, 08861
  • United Poles FCU is a full-service credit union profitably serving the financial needs of the Polish-American ethnic communities through highly-motivated and professional staff. We remain focused on growing the wealth of our members and remaining their primary financial partner through all their life stages.
  • READYCAP LENDING, LLC
  • 200 Connell Drive, Suite 4000, Berkeley Heights, NJ, 07922
  • Ready Capital is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans.We specialize in loans backed by commercial real estate, including agency multifamily, investor and bridge as well as SBA 7(a) business loans. Headquartered in New York City.
  • Monmouth County Postal Employees Credit Union
  • 171 Broad Street, Red Bank, NJ, 07701
  • Since 1928 the Credit Union has been here to serve the Monmouth County Postal Employees and their families. Monmouth County Postal Employees CU is a not-for-profit financial institution. As our credit union grows, our services will hopefully meet the challenges of serving our members.
  • Two River Mortgage & Investment
  • 157 Broad Street, Suite 312, Red Bank, NJ, 7701
  • Two River Mortgage & Investment provides personal service to each and every client throughout the loan process. We assist you to structure the best program for your individual needs. This is why Two River Mortgage’s core business is generated by personal referrals and repeat business.
  • NAVESINK HOME LOANS LLC
  • 157 Broad Street, Suite 319, Red Bank, NJ, 7701
  • At Navesink Home Loans, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Mortgage Plus Inc
  • 62 State Route 36 South, 2nd Floor, Keyport, NJ, 07735
  • 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.
  • FIRST LENDERS MORTGAGE
  • 29B W. Front Street, Keyport, NJ, 7735
  • As mortgage professionals, we strive to provide outstanding service as well as a variety of mortgage options and borrowing solutions for our clients at the best price.Since opening First Lenders Mortgage, we have grown from 1 owner, one office, and a few reps to 10 team members with diverse backgrounds and experience.
  • Jewett City Savings Bank
  • 111 Main Street, Jewett City, CT, 06351
  • Jewett City Savings Bank is a community bank providing financial services to consumers & businesses in eastern Connecticut. The Bank currently operates 7 full-service offices along the I-395 corridor in Jewett City, Brooklyn, Dayville, Plainfield, Preston, Putnam & in Pawcatuck. Founded in 1873. Member of the Federal Deposit Insurance Corporation.
  • Heritage Mortgage Banking Corp
  • 25 Lindsley Drive, Suite 209, Morristown, NJ, 07960
  • Our mortgage representatives specialize in providing home loans to first time home buyers and FHA purchases in Morris County as well the greater New Jersey and New York state area. We deliver an unparalleled level of service and the lowest possible loan rate in the business. Upon this – we have built our reputation, for over a decade