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

In 2025, USDA loan limit in Old-Saybrook, county of Middlesex, CT is $310,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Old-Saybrook, county of Middlesex, CT

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

USDA and FHA loan options in Old-Saybrook, CT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Connecticut?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • New Hampshire Federal Credit Union
  • 70 Airport Road, Concord, NH, 03301
  • NH Federal Credit Union is a full-service financial institution. You will find some of the best rates for savings and loans in NH, along with very low fees. As a not-for-profit financial cooperative, we are owned by the people we serve - the employees and immediate family members of more than 150 employers throughout NH.
  • EDvestinU - New Hampshire Higher Education Loan Corporation (NHHELCO)
  • 4 Barrell Court, Concord, NH, 03301
  • EDvestinU® is the private student loan program of the nonprofit NHHEAF Network. EDvestinU’s mission is to provide affordable college funding options to students nationwide. With industry–leading rates and nationally recognized loan servicing, students, parents & post-secondary schools can have every confidence that EDvestinU borrowers are provided.
  • Commercial Mortgage Brokers
  • 610 Lacey Rd, Forked River, NJ, 08731
  • Commercial Mortgage Funding, LLC is a commercial mortgage brokerage firm which provides access to funding sources financing Commercial Real Estate nationwide (U.S.) with capital needs of $1, 000, 000 ($1MM) minimum. It intermediates between capital providers and the principals of commercial real estate projects and leverages its relationships.
  • Forthright Mortgage LLC
  • 86 Lafayette Road, Suite 4, North Hampton, NH, 03862
  • Forthright Mortgage representatives have over 20 years combined experience and have handled all types of loans and situations. We are a local company with real people who care about their customers. We will care for you and your mortgage needs from the beginning until the very end and further.
  • NH Community Federal Credit Union
  • 98 Charlestown Road, Claremont, NH, 03743
  • The NH Community Federal Credit Union was organized in 1959 for the employees of Joy Manufacturing. A subsequent change of its charter now allows membership eligibility to all individuals who live or work in Sullivan County. The purpose of the Credit Union is to promote thrift among its members, and to create a source of credit for provident
  • Claremont Savings Bank
  • 145 Broad Street, Claremont, NH, 03743
  • Claremont Savings Bank is a mutual savings bank founded in 1907 primarily serving the communities of Claremont, Charlestown, and Cornish, New Hampshire. It is overseen by a Board of Trustees that are selected by and from the group of Corporators who represent the interests of the depositors, borrowers, and communities that the Bank serves.
  • Central Jersey Police & Fire Federal Credit Union
  • 2430 Hamilton Avenue, Trenton, NJ, 08619
  • The Central Jersey Police & Fire Federal Credit Union is proud to be a member-owned, not-for-profit financial cooperative dedicated to serving its members. Our motto is “People Helping People.” We are all working together to help each other meet our individual financial goals. The credit union is a nonprofit, cooperative financial institution.
  • First Point Federal Credit Union
  • 2430 Hamilton Avenue, Suite 2, Trenton, NJ, 08619
  • To become a member of First Point Federal Credit Union you must be employed by one of our Select Employee Groups (SEGs) or if someone in your immediate family or household is currently a member of the Credit Union. An immediate family member includes a spouse, child, parent, brother or sister, grandparent or grandchild.
  • Hamilton Horizons Federal Credit Union
  • 3535 Quakerbridge Road, Suite 600, Hamilton Township, NJ, 08619
  • Hamilton Horizons offers a wide variety of convenient, money saving products and services that are designed to meet all your financial needs. These products include high-yield savings and investment accounts, low-interest loans, and numerous services that let you conduct your financial business when it’s convenient for you.
  • RESIDENTIAL HOME MORTGAGE CORPORATION
  • 53 Frontage Rd, Suite 200, Hampton, NJ, 08827
  • RHMC is one of the nation’s top customer rated mortgage lenders. Combining the expertise and comprehensive array of mortgage products offered by national banks, with a culture that prioritizes unparalleled personal service, we specialize in creating custom mortgage solutions tailored to meet the needs of each individual client.
  • Postal Employees Credit Union
  • 4248 South Broad Street, Trenton, NJ, 08620
  • The Postal Employees’ Credit Union was established in 1928 as a state chartered credit union to serve the financial needs of federal employees. Our members are our owners, of which we have approximately 2, 400. The membership is represented by seven currently employed postal employees who direct the operation of the credit union for the benefit.
  • Presidential Mortgage Inc
  • 390 Portsmouth Avenue, Greenland, NH, 03840
  • Presidential Mortgage Inc Offering Residential and Commercial mortgages in New Hampshire and Maine, Presidential Mortgage has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders, business owners, and individual home buyers.