USDA and FHA Pro and Con in Newtown, Fairfield County, CT
In 2026, the USDA loan limit for Newtown, in Fairfield, CT, stands at $556,600, whereas the FHA limit for a single-family home is $707,250.
Utilize the Lendersa® USDA loan calculator to compare the top available USDA versus FHA rates today, determining the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA programs side by side to identify the best option for your financial needs in .
2026 Loan Limits and Downpayment Needs in Newtown, Fairfield County, CT
Loan Type
Loan Limit
Down Payment
USDA
$556,600
0%
FHA
$707,250
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Alternatives in Newtown, CT
The objective of Lendersa® is to swiftly and effortlessly provide you with the best possible USDA or FHA loan. Select from three starting points to connect with matching lenders and USDA loan programs.
The USDA home loan is guaranteed by the U.S. Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, and is only available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, a USDA mortgage requires no down payment.
The SoundView Financial Credit Union is a member-owned financial cooperative. Members of the Credit Union include those who live, work, worship, or volunteer in the Connecticut counties of Fairfield and Litchfield, all P&G/Gillette/Duracell employees, as well as employees from other member companies in the greater Danbury area.
Western CT Federal Credit Union (WCFCU) is a member-owned, not-for-profit, financial cooperative based in Bethel, Connecticut. WCFCU is a customer-centric credit union focused on creating a positive financial experience by delivering personalized service along with technology-oriented features to meet the needs of members.
"JTM Financial Services, Inc. was founded in 1992 by Jay T. McGorty. The company has grown over the years and the main office can be found in Bethel, CT. The company follows a customer satisfaction driven business model with the notion that if a client's experience with JTM Financial surpasses all expectations"
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
"AFC Mortgage Group has been a leading mortgage provider in the tri-state area for over 20 years.
We are a mortgage lender based in Monroe, CT, where your best interest is our priority. From beginning to end, our simplified loan process ensures that you can walk away feeling completely satisfied with your entire experience."
Regina Capital LLC is a private lending firm that provides private mortgages and hard money loans for commercial real estate transactions in New York, New Jersey, Connecticut, and Massachusetts.
At Regina Capital we pride ourselves by doing business with honesty and integrity. Regina Capital has been in the private lending field since 1999
DML Mortgage was founded by David M. Lichtman. With over 15,000 loans closed, DML Mortgage has assisted many people in achieving their dream of home ownership.For more than 25 years in business, Mr. Lichtman has always stood for persistence, honesty and integrity. DML Mortgage provides Fixed Range Mortgage 30,20,15 Years Conforming, Jumbo Mortgage
Savings Bank of Danbury is a full-service Connecticut community bank rooted in history and positioned for the future.
Founded in 1849 under the same name, we have grown and adapted to serve our customers while building a reputation for financial stability, personal service and modern convenience.
USB is a mutual financial services organization committed to building lasting relationships that exceed the expectations of our customers & the communities we serve. We build lasting relationships that enrich the lives of our customers and communities. We are committed to professionalism, & our integrity & ethical standards will not be compromised.
