USDA Loan Vs. FHA loan pro & con Derby, New Haven County, CT

For 2025, the USDA loan cap in Derby, within New Haven, CT, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to directly contrast today's best rates for USDA versus FHA loans. This tool helps determine the necessary income, credit, reserves, and required documents for qualification. Review USDA, FHA, Conforming, and VA loans side by side with our advanced mortgage calculator to decide which is most fitting for your financial situation in .

Options for USDA and FHA Loans in Derby, CT

Lendersa® is committed to securing the best possible USDA or FHA loan for you promptly and without complications. Begin with one of three starting approaches that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and results matching

Understanding USDA Loans in CT

The USDA home loan, also termed a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture. Available only in rural areas, it requires no down payment, unlike FHA loans which need a minimum of 3.5%.

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(949) 356-6400 Lender's profile and map Reviews AdvantageFirst Lending Inc. 22342 Avenida Empresa, Suite 100, Santa Margarita, CA, 92688 At AdvantageFirst Lending, our team is dedicated to providing our clients with the highest quality financial services possible. We believe educating clients is paramount to a smooth transaction. Clients put their trust in us that we will deliver the rates, costs, and products we have promised in the timeframes they expect.
(800) 978-8029 Lender's profile and map Reviews Sheridan Mortgage 28662 Oso Parkway, Suite D401, Rancho Santa Margarita, CA, 92688 "Sheridan Mortgage Full-service mortgage company specializing in purchase loans. Our staff of experienced loan professionals can make any transaction smooth from start to finish. Let us show why so many families and referral partners have trusted us with their transactions too close on time. ""Expertise You Can Trust"
(949) 540-2555 Lender's profile and map Reviews GoodBrand Lending Corporation 30346 Esperanza, Suite A, Santa Margarita, CA, 92688 "GoodBrand Lending is a California-based mortgage brokerage firm that specializes in mortgage loans for homes of all shapes, sizes, and prices. Click on the following services we offer to our clients to get a free quote or information: • Refinancing • Purchases • Fixed rates • ARMs • Jumbo loans • Interest Only"
(888) 777-3671 Lender's profile and map Reviews Oso Creek Financial 32 Woodsong Rancho, Santa Margarita, CA, 92688 OSO Creek Financial is a local lender and broker The mortgage loan process is complex. To navigate it successfully, you need a mortgage professional to guide you and keep you from making the mistakes that can cost you time, money and stress. We do things differently and have the ability to shop and compare mortgage rates/programs for you
(949) 630-0230 Lender's profile and map Reviews Vatreni Mortgage. 30212 Tomas, Suite 100, Santa Margarita, CA, 92688 Vatreni, Inc. is a family-run real estate and mortgage company built on integrity. With over 88 years of combined real estate and mortgage lending experience, we believe our clients come first. Vatreni provides exceptional customer service by being upfront, clear and honest with the motto ‘Under promise, over deliver
(949) 584-4600 Lender's profile and map Reviews FidoFI 22431 Antonio Parkway, Suite 108, Rancho Santa Margarita, CA, 92688 FidoFi has a goal of being the most economical and most practical mortgage available. We deliver the lowest wholesale rate on any given day and pass that directly to you. You simply cannot beat our deal. FidoFi brings the best in mortgage lending products to your phone, tablet, or computer.
(866) 377-8326 Lender's profile and map Reviews Blue Wave Funding 30021 Tomas Rancho, Santa Margarita, CA, 92688 At Avacad, Inc, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. 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
(949) 646-1091 Lender's profile and map Reviews Pacific Choice Mortgage 30211 Avenida De Las Bandera, Suite 200, Rancho Santa Margarita, CA, 92688 We pride ourselves in giving you the mortgage information, loan options & convenient assistance you’re looking for.We never charge an application fee, escrow/impound waiver fee or lock-in fee.Your personal mortgage specialist will provide you with several options that best meet your needs. Buying or refinancing a home is stressful to say the least.
(714) 404-8152 Lender's profile and map Reviews Canyon Realty 996 S Brianna Way, Anaheim, CA, 92808 Canyon Realty, a Real Estate Brokerage based in Anaheim Hills, CA. We serve all of Southern California, specializing in beautiful Orange County! For buyers, you'll find a great search page to see what is currently out there on the market as well as detailed neighborhood information.
(877) 730-9755 Lender's profile and map Reviews Meridox Mortgage 8175 East Kaiser Boulevard, Suite 206, Anaheim, CA, 92808 Meridox Real Estate and Mortgage is a family owned brokerage firm, established in 2007. Our core values encompass customer service, strong communication, and timely execution. Our experienced team is equipped to execute all faucets of your real estate transactions, including buying, selling, and finding the best suited financial option.
(909) 786-9430 Lender's profile and map Reviews GoModern Lending Inc 180 North Riverview Drive, Suite 150, Anaheim, CA, 92808 At GoModern Lending we believe that every customer deserves the best care & service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs & have what it takes to make a difference in your next mortgage transaction. Call us today to get a free quote and overview of current market conditions affecting.
(800) 731-4119 Lender's profile and map Reviews Instant Capital 8175 East Kaiser Boulevard, Suite 218, Anaheim, CA, 92808 We are a full service mortgage company which has made the home loan process easy. With experts in all the current residential programs including FHA, VA, Fannie Mae, Freddie Mac, Jumbo, and Reverse Mortgage lending. You can count on Instant Capital to close your purchase or refinance home loan, and close it in the most efficient, cost effective