USDA and FHA Pro and Con in Old-Saybrook, Middlesex County, CT

In 2026, the USDA loan limit for Old-Saybrook, in Middlesex, CT, is $310,000, whereas the FHA limit for a single-family home is $356,362.

Explore the Lendersa® USDA loan calculator for a comparison of today's USDA and FHA best rates, and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA programs, helping you choose which is best for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Old-Saybrook, Middlesex, CT

Loan Type Loan Limit Down Payment
USDA $310,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Old-Saybrook, CT

The aim of Lendersa® is to provide you with the best USDA or FHA loan quickly and without complexity. Choose one of three starting points to connect with lenders and USDA loan programs.

Lendersa USDA loan application and matching results

Understanding USDA Loans in CT

A USDA home loan, backed by the Department of Agriculture—also called a USDA rural development loan or USDA mortgage—applies only to rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment.

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



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