USDA and FHA Pro and Con in Pemberwick, Fairfield County, CT

For 2025, within the city of Pemberwick, located in Fairfield county, CT, the USDA loan limit is specified at $556,600, whereas the FHA loan limit for a single-family residence is $707,250.

Make use of the Lendersa® USDA loan calculator to evaluate the leading rates between USDA and FHA for today. Also, determine the necessary income, credit score, reserves, and documents required for qualification. Our comprehensive mortgage calculator lets you view side-by-side options for USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program in Alabama for your financial scenario.

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2025 Loan Limits and Down Payment Requirements in Pemberwick, County of Fairfield, CT

Loan Type Loan Limit Down Payment
USDA $556,600 0%
FHA $707,250 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Pemberwick, CT

The goal of Lendersa® is to secure the optimal USDA or FHA loan for you quickly and with minimal fuss. Opt for one of three starting paths that pair you with lenders and appropriate USDA loan schemes.

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Understanding USDA Loan in CT

A USDA home loan, backed by the government through the Department of Agriculture and known also as the USDA rural development loan or mortgage, is specifically issued for rural areas. Unlike FHA loans, which demand a minimum down payment of 3.5%, USDA loans eliminate the need for any initial down payment.

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



  • Bank of Millbrook
  • 3263 Franklin Ave., Millbrook, NY, 12545
  • Twenty years after its first business was founded, the Village of Millbrook needed a bank. The State of New York granted the Bank of Millbrook its charter on May 11, 1891, and seven days later we received our first customers on Franklin Avenue. Our first Board of Directors consisted of 15 prominent businessmen and residents of the community.
  • READYCAP LENDING, LLC
  • 200 Connell Drive, Suite 4000, Berkeley Heights, NJ, 07922
  • Ready Capital is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans.We specialize in loans backed by commercial real estate, including agency multifamily, investor and bridge as well as SBA 7(a) business loans. Headquartered in New York City.
  • Northfield Bank NJ
  • 581 Main Street, Suite 810, Woodbridge, NJ, 07095
  • We are a full service community bank serving metropolitan New York and New Jersey. Headquartered in Woodbridge, NJ, our team strives each day to uphold our mission to be the financial institution of choice to individuals and businesses by delivering innovative financial products and exceptional customer service.
  • Central Jersey Federal Credit Union
  • 380 Berry Street, Woodbridge, NJ, 07095
  • CJFCU is a not-for-profit financial cooperative, which means all earnings at the end of the year are returned to our members in the form of better, low-cost financial services. We help our members meet their financial goals by providing exceptional member service, along with quality financial products.
  • Kingdom First Mortgage LLC
  • 655 Amboy Ave, Suite 100, Woodbridge, NJ, 07095
  • Kingdom First has also supported individual families in the process of adopting children, and our company’s leaders have provided mentoring services to our community’s youth. Our world is only as good as the condition in which we leave it for our children. We feel it is our responsibility to shepherd and encourage children to become strong
  • Trust Bridge
  • 609 W Johnson Ave, Suite 115, Cheshire, CT, 06410
  • We, at Trust Bridge, understand the complexities of every deal. With that in mind, we offer a plethora of lending options that allow for flexible and efficient solutions to your investing needs. To provide options so the investors are in the best position possible to grow their businesses.
  • Rapid Response Mortgage Services LLC
  • 416 Highland Avenue, Building B, Suite E, Cheshire, CT, 06410
  • Rapid Response Mortgage With a fixed rate mortgage, payments for the interest rate and the principal remain fixed over the life of the loan. As a result, monthly loan payments stay the same over the life of the loan. Taxes, however, may change according to your local or state tax laws
  • M&C Menlo Park Federal Credit Union
  • 25 Middlesex Turnpike, Iselin, NJ, 08830
  • M&C Credit Union is owned by its members via shares/savings accounts. We are a corporate-sponsored, federal credit union. M&C Credit Union was established in 1967 serving the Minerals & Chemicals Corporation, then Engelhard Corporation & now BASF Corporation. We are located in Room 227A on the second floor of the BASF Research Center in Iselin, NJ.
  • Money Avenue
  • 33 Wood Avenue S, Suite 448, Iselin, NJ, 08830
  • Money Avenue offers highly personalized service and will help you cut through the red tape in the financing arena that is so often involved in securing loans from banks and other lending institutions. Having a Money Avenue Finance Consultant on your team of professionals is a game winning step in obtaining optimal mortgage, business
  • REMN Wholesale
  • 194 Wood Avenue South, 9th Floor, Iselin, NJ, 08830
  • REMN Wholesale is a proud 2021 GOLD SPONSOR of AIME (Association of Independent Mortgage Experts), for the 2nd consecutive year. This exemplifies our never-ending, decades long, commitment of supporting the national mortgage broker community. REMN Wholesale a trusted, highly-dependable, efficient, national wholesale lender.
  • American Royal Mortgage Corp
  • 100 Wood Avenue South, Suite 123, Iselin, NJ, 08830
  • American Royal full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to construction lending. We have access to a wide range of wholesale lenders and all of our lending specialists are dedicated to finding the right loan.