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

In 2026, within Danbury of Fairfield county, CT, the USDA loan maximum is $556,600, contrasting with the FHA limit of $707,250 for single-family homes.

Use the Lendersa® USDA loan calculator to contrast today’s top USDA and FHA rates, and understand the income, credit, reserves, and documents required for approval. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans concurrently, helping you choose the ideal option for your financial needs, particularly in places like .

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2026 Loan Ceilings and Down Payment Requirements in Danbury, Fairfield County, CT

Type of Loan Cap on Loan Down Payment
USDA $556,600 0%
FHA $707,250 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loans in Danbury, CT

The goal of Lendersa® is to provide you the best USDA or FHA loan swiftly and trouble-free. Choose one of three pathways that pair you with lenders and compatible USDA loan programs.

Lendersa USDA loan request and matching results

Comprehending USDA Loans in CT

The USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, specifically available in rural areas. Unlike FHA loans which require a down payment of at least 3.5%, a USDA loan requires no down payment at all.

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



  • Magyar Bank
  • 400 Somerset Street, New Brunswick, NJ, 08901
  • Magyar Bank is your one stop solution for all your banking needs. We've been helping families and businesses reach their financial dreams since 1922, and we're an active leader in the communities we serve. Each year, we support over 75 local organizations through employees volunteering their time, and corporate donations.
  • 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
  • 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.
  • Lewis Commercial Services llc dba Michael Lewis Group
  • P.O. Box 1068, DINGMANS FERRY, PA, 18328
  • The Michael Lewis Group has long relationships with a great many life companies, CMBS platforms, hedge funds, pension funds, hard money lenders, private money lenders, equity investors, ultra-high-net-worth individuals, construction loan lenders including infrastructure financing, middle market advisory services via affiliated merchant banks and in
  • B-M S Federal Credit Union
  • 1 Squibb Drive, New Brunswick, NJ, 08903
  • B-M S Federal Credit Union was chartered in 1954 as Squibb Local 438. Our name was changed twice in the ensuing years until 1990 when we officially became B-M S Federal Credit Union. The credit union grew slowly but steadily until 1990, at which time new management, new office locations, and many new services started to be introduced.
  • Atlantis Mortgage
  • 55 Oceanport Ave, West Long Branch, NJ, 07764
  • The Atlantis team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work one-on-one with you to provide a financial solution specifically tailored to meet your financing needs.
  • Peapack-Gladstone Bank
  • 500 Hills Drive, Suite 300, Bedminster, NJ, 07921
  • Peapack Private, the bank’s wealth management* division, offers comprehensive financial, tax, fiduciary and investment advice and solutions, to individuals, families, privately-held businesses, family offices and not-for-profit organizations, which help them to establish, maintain and expand their legacy.
  • Financial Resources Federal Credit Union
  • PO Box 6999, Bridgewater, NJ, 08807
  • FRFCU's headquarters is located in Bridgewater, NJ & has been in business for over 100 years. The Credit Union was formerly the Ethicon Employees FCU which was formed by a group of Johnson & Johnson employees. As one of the largest Credit Unions in New Jersey, it is a member-owned, not-for-profit cooperative.
  • GOLDEN MORTGAGE CORPORATION
  • 818 Route 202-206, Bridgewater, NJ, 8807
  • Since 1998, our mission is to serve our New Jersey and New York 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.
  • Progress Capital
  • 620 Tinton Avenue, Building B, 1st Floor, Eatontown, NJ, 07724
  • Progress Capital is a commercial real estate advisory firm specializing in arranging debt for commercial real estate owners and developers of mixed-use, multi-family, construction, industrial, retail, office and commercial storage properties. With 30 years of industry leading experience in the Metro New York, Philadelphia and New Jersey markets.
  • Second Generation Mortgage Group LLC
  • 788 Shrewsbury Avenue, Tinton Falls, NJ, 07724
  • 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, which is why we pride ourselves on our guar
  • MDE Home Loans, LLC
  • 766 Shrewsbury Avenue, East Bldg, Suite 204, Tinton Falls, NJ, 07724
  • MDE Home Loans is dedicating to fulfilling the American Dream of home ownership by providing buyers access to financing and industry leading lending services.Our highly trained team averages more than two decades of experience in mortgage lending. We understand that each customer has specific needs & we strive to deliver personalized.