USDA Vs. FHA your options comparison in Hamden, New Haven County, CT
As of 2025, the USDA loan limit in Hamden, county of New Haven, CT is established at $336,500, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate the most competitive USDA versus FHA rates available today, along with the associated income, credit, reserves, and documentation required for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in locations like .
Loan Limits and Downpayment Requirements for 2025 in Hamden, New Haven County, CT
Type of Loan
Maximum Loan
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Hamden, CT
The goal of Lendersa® is to efficiently secure for you the best possible USDA or FHA loan, quickly and without unnecessary complications. Choose one of three starting pathways that will match you with suitable lenders and USDA loan opportunities.
A USDA home loan, endorsed by the government Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is accessible only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not necessitate any down payment.
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