USDA Vs. FHA your options comparison in New-Hartford, Litchfield County, CT

2026 sees the USDA loan ceiling in New-Hartford, Litchfield, CT, set at $286,100, while for a single-family home, the FHA cap is $357,650.

Employ the Lendersa® USDA loan calculator to explore and contrast today's top USDA versus FHA rates, determining the necessary income, credit, reserves, and documents for qualification. By using our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, aiding in the decision of the best program for your financial needs in .

Explore loan offers from 100 lenders

2026 loan ceilings and down payment needs in New-Hartford, Litchfield, CT

Loan Type Loan Limit Down payment
USDA $286,100 0%
FHA $357,650 3.5%
Conventional Conforming $548,250 3%

Discover USDA and FHA loan options in New-Hartford, CT

Lendersa® aims to quickly secure the best USDA or FHA loan with minimum hassle. Choose from one of three starting paths that connect you with the right lenders and USDA loan solutions.

Lendersa USDA loan request and matching results

Defining the USDA Loan in CT

A USDA home loan, supported by the Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, targets rural neighborhood applications. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require no down payment.

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



  • Bay Rock Home Loans LLC
  • 839 Bestgate Road, Suite 131, Annapolis, MD, 21401
  • BlackRock Home Loans works with a strong portfolio of private lenders that help borrowers with unique financial situations to provide them with niche lending products that meet their needs. There are great products available for borrowers who can't qualify for loans with traditional documentation.
  • Wynn Point Mortgage LLC
  • 888 Bestgate Road, Suite 401, Annapolis, MD, 21401
  • "Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions"
  • Heritage Financial, Inc.
  • 175 Admiral Cochrane Dr, Suite 101, Annapolis, MD, 21401
  • At Heritage Financial, we are committed to putting our clients first and to find the best loan to finance your home. Heritage Financial is a full-service, residential lender, licensed in Washington D.C., Maryland and Virginia. Our experienced loan officers will guide you through the entire mortgage process.
  • Redwood Mortgage Services
  • 180 Admiral Cochrane Dr., Annapolis, MD, 21401
  • Established, in 1999, Redwood Mortgage Services is a full-service mortgage lender that has served thousands of clients in Maryland, Virginia, District of Columbia, Delaware and Florida. From day-one, we have been providing exceptional customer service while exceeding the industry's critical regulation standards.
  • Bay Capital Mortgage Corporation
  • 2553 Housley Road, Suite 200, Annapolis, MD, 21401
  • "Since 1994 we have been building a strong reputation as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the Mid Atlantic Region, Georgia and Florida. We’re a full service mortgage banker with an experienced staff offering expertise in every area"
  • Fidelity First Home Mortgage Company
  • 707 Bestgate Rd, Annapolis, MD, 21401
  • Get to know the management team and loan specialists that make our mortgage company in Annapolis, MD, a vital part of the Mid-Atlantic communities we serve. We provide each client with a mortgage marketplace that includes a multitude of options. Tell us more about the financial challenges you face,
  • Navigator Private Capital LLC
  • 1910 Towne Centre Blvd, Suite 250, Annapolis, MD, 21401
  • Navigator Private Capital, LLC (NavCap) believes in the power of capital investment to transform neighborhoods and improve lives. We fund short-term, low-risk development projects throughout under served communities across the country. NavCap meets a critical need not satisfied by traditional commercial investment vehicles.
  • Lower.com
  • 8621 Robert Fulton Drive, Suite 150, Columbia, MD, 21046
  • We believe owning a home is one of the greatest wealth builders out there. So our goal is to make homeownership more accessible, and to help more people buy homes. and also We make lower happen—lower fees. Lower rates. Lower interest. Lower payments. Lower hassle. So our borrowers get a better mortgage experience, for less. With Lower.
  • Hard Money Bankers
  • 10015 Old Columbia Rd, Suite H-125, Columbia, MD, 21046
  • HARD MONEY BANKERS is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. We are currently lending in Maryland, Washington DC, Virginia, Pennsylvania, Delaware and New Jersey.
  • Admiral Mortgage Services LLC
  • 3456 Monarch Drive, Edgewater, MD, 21037
  • Admiral Mortgage Services was designed by loan officers for the benefit of the consumer. Our cutting-edge technology and strategic business relationships allows our customers access to all Conventional Financing options, as well as FHA, VA, USDA and more and even several great options for our self-employed customers
  • Universal Mortgage & Finance
  • 3158 Braverton Street, Suite 204, Edgewater, MD, 21037
  • Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .