USDA and FHA Pro and Con in Derby, New Haven County, CT
For 2026, 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 .
2026 Loan Limits and Downpayment Requirements in Derby, New Haven, CT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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%.
Established in 1936, the Pitney Bowes Employees Federal Credit Union helps Pitney Bowes and BlueCrest employees, their immediate families, retirees and their household members with all of their financial needs. Pitney Bowes Employees Federal Credit Union is located in Stamford, CT, United States.
Mutual Security Credit Union aspires to be the preeminent financial partner that is committed to developing trusted relationships with our members by providing responsible advice and making impactful community investments to position our staff, members and our Community for success.
William Raveis Real Estate, Mortgage & Insurance sets the gold standard for civilized real estate. Raveis.com is at the forefront of technology, serving as a wealth of information for the potential home buyer or seller with detailed searches and open houses, neighborhood mapping, market statistics and graphs.
Quantum Mortgage we excel at providing local New York & Connecticut borrowers the resources and guidance to successfully purchase or refinance their home.As a mortgage brokerage, all Quantum employees work for the borrowers & not the bank.Our goal each day is to help our clients receive great customer service, great low rates & quick closing times.
General Electric Credit Union is a full-service financial institution. Because it’s your money. Your dreams. And our commitment. Helping you achieve your financial dreams since 1940! We offer student checking accounts, FREE for up to 4 years, VISA Credit Cards at great rates, mortgages, home equity loans & lines with no application or annual fees!
RateCloud, and we’ve made it our mission to bring that passion to the mortgage space so homebuyers and homeowners get a smoother, more cost-efficient mortgage experience.From start to finish, we give you the power to facilitate your own mortgage transaction. Typically, this role would be reserved for a loan officer.
At Sikorsky Credit Union, we believe that the financial choices you make today, like where you bank, can help you live a better life tomorrow. We are very proud to be named the #1 Credit Union in Connecticut by Forbes in both 2020 and 2021. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Main Street Mortgage was founded by David Bigley in 1996. David has been helping Connecticut residents finance their homes for over 34 years.David is an active member in the Stratford community as a volunteer for Merton House Soup Kitchen, Fairfield Prep Fathers Club and coach for Sterling House Youth Sports Basketball and Soccer.
Creative Mortgage Group LLC D|B|A First Capital Lending
441 Oxford Road, Suite 2C, Oxford, CT, 06478
Lends in Connecticut
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
