USDA Vs. FHA your options comparison in Ledyard, New London County, CT
In 2026, the USDA loan cap in Ledyard, New London county, CT is $336,500. For a single-family home, the FHA limit is $472,030.
Employ the Lendersa® USDA loan calculator to contrast current USDA and FHA rates and ascertain the necessary income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator allows you to compare USDA, FHA, Conforming, and VA programs side-by-side, helping you decide which option in suits your financial circumstances best.
2026 Loan Limits and Down Payment Requirements in Ledyard, New London, CT
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Ledyard, CT
Lendersa® is dedicated to securing you the optimal USDA or FHA loan quickly and with ease. Choose from these three options to find matching lenders and USDA programs:
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is frequently called a USDA rural development loan or USDA mortgage, intended solely for properties in rural areas. Unlike FHA loans which require a 3.5% minimum down payment, USDA loans require no down payment at all.
Scient Federal Credit Union is a member-owned, federally insured credit union that has been serving the needs of life science professionals and their families since 1968. Built upon the philosophy of “people helping people, ” Scient works to improve the quality of our members’ lives by providing tailored products
Chelsea Groton Bank is a mutually owned bank with 14 locations throughout New London County and a Loan Production Office in Hartford County. The Bank has over $1 billion in assets and serves businesses, individuals and families throughout Connecticut and Rhode Island. To learn more, please visit chelseagroton.com
Lawrence Memorial Hospital Employees Federal Credit Union was organized under the laws of the United States in 1959 as a federally regulated co-operative whose sole purpose is to render financial services to its membership. Therefore, we operate exclusively for the benefit of our members who have access to a full range of financial services.
At Gateway Mortgage Services, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
Weimin Loans Mortgage one is more suitable, fixed interest rate or floating interest rate? Usually, if you plan to sell a house within 7 years, you can consider a floating-rate loan because its initial interest rate is lower than a fixed-rate loan. If the plan changes in the future, you can consider refinancing at that time.
Jewett City Savings Bank is a community bank providing financial services to consumers & businesses in eastern Connecticut. The Bank currently operates 7 full-service offices along the I-395 corridor in Jewett City, Brooklyn, Dayville, Plainfield, Preston, Putnam & in Pawcatuck. Founded in 1873. Member of the Federal Deposit Insurance Corporation.
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.
