In 2026, the USDA loan cap in Essex, found in Middlesex, CT, is $336,500, whereas the FHA limit for a single-family home stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining the required income, credit, reserves, and documentation to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping decide the best program for your financial needs in
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| Loan Type | Loan Limit | Down payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly provide you with the ideal USDA or FHA loan without hassle. Choose from three starting points that connect you to suitable lenders and USDA loan programs.
A USDA home loan, backed by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designated for use in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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