USDA and FHA Pro and Con in Naugatuck, New Haven County, CT
As of 2026, the USDA loan limit in the city of Naugatuck, located in New Haven county, CT, stands at $336,500. In contrast, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator today to compare the best rates between USDA and FHA loans and determine what income, credit score, reserves, and documentation are necessary to qualify. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA options side-by-side to assist your decision on the ideal program in for your specific financial needs.
Loan limits and down payment needs for 2026 in Naugatuck, New Haven county, CT
Type of Loan
Limit
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA loan solutions in Naugatuck, CT
Lendersa® aims to secure the most favorable USDA or FHA loan quickly and efficiently. You can start by choosing one of three options to connect with compatible lenders and relevant USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is limited to rural areas. Unlike the FHA loan, which requires a minimum down payment of 3.5%, the USDA mortgage requires no initial payment.
Ion Financial, MHC is an independent financial services company committed to building lifetime relationships by partnering with our customers to help them identify and achieve their financial goals.We seek profitable growth while delivering superior customer service and offering a comprehensive package of progressive financial products.
Waterbury CT Teachers Federal Credit Union (WCTFCU) is a member-owned, not-for-profit financial institution offering personal accounts, loans, and credit cards, with competitive rates and exceptional service, to our members. Our 19, 000+ membership includes current, former & retired teachers, school staff, administrators, and their families.
Greater Waterbury Healthcare FCU is a member-owned financial institution committed to the international credit union philosophy of “People Helping People.” That means we aim to help you build your financial stability. And we do that by returning profits to members in the form of lower loan rates, higher savings rates, little or no service charges.
FD Community Federal Credit Union is the oldest financial institution home based in Waterbury. We are a well established community institution in existence since 1934, providing the highest level of personal service and the most affordable financial services in the Greater Waterbury area.
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
Waterbury Postal Employees Federal Credit Union has been serving United States Postal Service employees in Waterbury and Naugatuck, their families, and our community in the "Brass City" since 1939. We're here to help our members achieve and maintain financial stability and success — now and into the future.
Skyline Financial Federal Credit Union was chartered in 1935 & remains committed to providing outstanding service to our members.The Credit Union was formed by a group of seven dedicated employees of what was then known as the Southern New England Telephone Company. The intent of our founders was to promote thrift among its members & to make loans.
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
We, at Trust Bridge, understand the complexities of every deal. With that in mind, we offer a plethora of lending options that allow for flexible and efficient solutions to your investing needs.
To provide options so the investors are in the best position possible to grow their businesses.
