USDA Vs. FHA your options comparison in Fairfield, Fairfield County, CT
In 2026, the USDA loan limit set in Fairfield, located in the county of Fairfield, CT, is $556,600, whereas for a single-family home, the FHA limit is $707,250.
Utilize the Lendersa® USDA loan calculator to assess current top USDA versus FHA rates, helping you determine the income, credit scores, reserves, and paperwork required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, making it easier to decide which program is best for your financial needs, particularly in areas like .
Loan Limits and Downpayment Details for 2026 in Fairfield, Fairfield County, CT
Type of Loan
Maximum Loan Limit
Down Payment
USDA
$556,600
0%
FHA
$707,250
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Fairfield, CT
The aim of Lendersa® is to ensure you get the best possible USDA or FHA loan efficiently and seamlessly. Choose from three initial paths that match you with lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, available only in rural communities. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans are offered without any need for a down payment.
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