USDA and FHA Pro and Con in Cheshire, New Haven County, CT

In 2026, the USDA loan limit for Cheshire, which lies within New Haven county, CT, is $336,500, whereas the FHA loan limit for a single-family home is $472,030.

Make use of the Lendersa® USDA loan calculator to contrast the top USDA and FHA rates available today, and identify the income, credit, reserves, and documentation required for qualification. This advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans simultaneously, aiding your decision on the optimal program in for your financial circumstances.

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2026 Loan Limits and Downpayment Requirements in Cheshire, New Haven County, CT

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

USDA and FHA Loan Choices in Cheshire, CT

Lendersa® strives to provide you with the optimal USDA or FHA loan quickly and effortlessly. Begin by choosing any of the three solutions that lead to matching lenders and preferred USDA loan programs.

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Understanding the USDA Loan in CT

The USDA home loan, guaranteed by the government through the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is intended for rural communities. Differing from FHA loans, which require a minimum 3.5% down payment, USDA mortgage loans necessitate no down payment whatsoever.

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



  • First Funding Loans
  • 1 3rd Ave, Suite 4, Long Branch, NJ, 07740
  • First Funding Loans, we are dedicated to being the best hard money lenders in New Jersey. This is why we offer a simple and quick way to access loans for various types of property investments. Hard money loans are a great option because they are approved quickly, require minimum documentation and offer funds for projects
  • Mortgage Now Inc.
  • 1161 Broad St #212, Shrewsbury, NJ, 07702
  • Mortgage Now Inc. , where we specialize in residential mortgages. At Mortgage Now Inc. , we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Pinnacle Federal Credit Union
  • 135 Raritan Center Parkway, Edison, NJ, 08837
  • Pinnacle Federal Credit Union has been a dependable, not-for-profit financial partner to members in Edison, NJ and surrounding Middlesex County since 1962. In our 50+ years of service to the local community, we’ve grown from humble beginnings into a full-service financial institution in Edison with 300 employer and serving members across NJ, NY PA.
  • Alliance Mortgage Finance LLC
  • 900 Oak Tree Road, Suite B, South Plainfield, NJ, 07080
  • As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.
  • St. Anthony of New Bedford Federal Credit Union
  • 1743 Acushnet Avenue, New Bedford, MA, 02746
  • St. Anthony of New Bedford Federal Credit Union is your local credit union. We are a federally chartered community credit union. Anyone living, working or having business within Bristol County is eligible to join.St. Anthony of New Bedford Federal Credit Union, a member owned co-operative, is a full service financial institution offering a variety
  • Castle Mortgage Brokerage Inc
  • 1819 Acushnet Ave, New Bedford, MA, 02746
  • Our focus is to help you achieve the "American Dream" through proper financing of your home purchase or refinance. We have a vested interest in satisfying your needs. We will select the best lender from are many sources to provide you with a loan that needs your individual needs.
  • Home Advantage Mortgage Corporation
  • 312 Great Road, Littleton, MA, 01460
  • Home Advantage Mortage Corporation is a licensed mortgage broker, located in Littleton, Massachusetts. Established in 1993, we are licensed in Massachusetts, New Hampshire, and Maine. We offer a wide range of mortgage products at the most competitive rates available. Our products are not limited to “A” type borrowers.
  • Hanscom Federal Credit Union
  • 25 Porter Road, Suite 100, Littleton, MA, 01460
  • With $1.7 billion in assets and over 90, 000 members, we are one of the most trusted credit unions headquartered in Massachusetts. Our mobile services, education programs, and innovative products are designed to help our members become financially self-sufficient and successful, whether they're well-established or just starting out.
  • Coastal M & A
  • 700 Pleasant Street, Suite 330D, New Bedford, MA, 02740
  • Coastal M&A, we tend to work with companies with transactional values of $1, 000, 000 to $25, 000, 000. Located in New Bedford, Massachusetts, our New England location allows us to serve the business buying and selling needs, and the M&A advisory requirements, of clients across Massachusetts, Rhode Island, Connecticut, and New Hampshire.
  • WORKERS CREDIT UNION
  • 119 Russell Street, Littleton, MA, 01460
  • Our members – both long-time and brand-new – have chosen Workers for full banking services to meet a lifetime of financial needs, and we can help you, too. We would love to show you how we can save you money, and make banking easier, and more convenient.We take the time to focus on the things that are important to you