USDA VS FHA in New-Fairfield, Fairfield County, CT

The USDA loan ceiling in New-Fairfield, Fairfield, CT for 2025 is $481,100, whereas for a single-family home, the FHA ceiling is $601,450.

Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's USDA versus FHA top rates. This will assist in understanding the necessary income, credit, reserves, and documentation required for qualification. With the advanced mortgage calculator, observe USDA, FHA, Conforming, and VA options together to aid in choosing the optimal program for your unique financial context in .

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2025 Loan Limits and Downpayment Requirements in New-Fairfield, Fairfield, CT

Type of Loan Limit Down Payment
USDA $481,100 0%
FHA $601,450 3.5%
Conventional Conforming $601,450 3%

Available USDA and FHA Loan Options in New-Fairfield, CT

Lendersa® aims to provide you with the most suitable USDA or FHA loan swiftly, and with minimal hassle. Opt from three starting steps that align you with the suitable lenders and USDA loan programs.

Lendersa USDA loan request and alignment results

Defining USDA Loans in CT

USDA home loans, also referred to as rural development loans or USDA mortgages, are government-backed by the Department of Agriculture. Exclusively available in rural areas, these loans require no down payment, in contrast to FHA loans, which necessitate a minimum down payment of 3.5%.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Texas Trust Credit Union
  • 5850 W Interstate 20, Suite 200, Arlington, TX, 76017
  • Our commitment to service has earned us multiple awards in every community we call home. Employees at Texas Trust have also volunteer over 3, 200 hours a year helping us spread the Texas Trust story and showing our commitment to our community. Because of our employees, Texas Trust was voted as one of the Top 100 Places to Work.
  • DFW Hard Money
  • 6001 W I-20 Frontage Rd, Suite 200, Arlington, TX, 76017
  • DFW Hard Money is a unique hard money lender in the Texas, Oklahoma, Colorado, Missouri, Kansas, and Georgia markets. The founders come from a successful background in rental portfolio ownership, the fix-and-flip space, wholesale shops, and real estate brokerage. Streamlining the process, DFW Hard Money operates with a close team of professionals.
  • Mesta Park Mortgage LLC
  • 3502 Kasmier Court, Arlington, TX, 76001
  • Mesta Park Mortgage, our mission is to handle each loan in a manner that results in the highest level of customer satisfaction. This is achieved by ensuring our customer’s needs are our top priority Buying a home has long been considered a cornerstone of the American dream. Whether it's your first, or one of many, purchasing.
  • Union State Bank of Hazen
  • 209 Central Avenue NW, Hazen, ND, 58545
  • Union State Bank is a locally operated financial institution that offers a variety of services including, Checking, Savings, Mobile Banking, and Agricultural Commercial Banking. We strive to inspire our customers to make their financial dreams come true and Union State Bank of Hazen is a community-oriented, relationship-driven financial institution
  • Member Preferred Federal Credit Union
  • 340 Blue Mound Road, Suite 342, Fort Worth, TX, 76131
  • Member Preferred began in 1935 with a vision to serve the employees of the St. Louis San Fancisco (or Frisco) Railway in Texas.While the name of the railroad has changed from Burlington Northern Railroad in 1981 to the Burlington Northern Santa Fe Railroad in 1995, our mission has stayed the same.
  • First National Bank Mortgage
  • 201 E. Debbie Ln, Mansfield, TX, 76063
  • First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices. Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.
  • Minter Mortgage, Inc.
  • 2409 Hillary Trail, Mansfield, TX, 76063
  • Minter Mortgage are you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Mansfield Mortgage Company
  • 208 East Broad Street, Suite 101, Mansfield, TX, 76063
  • "At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
  • First National Bank in Philip
  • 103 East Oak Street, Philip, SD, 57567
  • First National Bank in Philip has, for over 110 years, served a large part of western South Dakota by providing quality banking based on customer service. We are proud that some relationships started three generations ago continue today. When you walk into our lobby, you will certainly be met with a smile.