USDA Vs. FHA Pro and Con comparison in Southbury, New Haven County, CT
For the year 2025, the USDA loan limit in Southbury, which is in the county of New Haven, CT, stands at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
To compare today's USDA and FHA leading rates, you can use the Lendersa® USDA loan calculator. It will help you determine the necessary income, credit, reserves, and documents needed for eligibility. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side, enabling you to choose the best program for your finances in .
2025 Loan Limits and Down Payment Requirements for Southbury, County of New Haven, CT
Loan Type
Maximum Loan Amount
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Southbury, CT
The mission of Lendersa® is to swiftly secure the most competitive USDA or FHA loans for you, without any hassle. Opt from three paths to connect with lenders and USDA loan offerings.
A USDA home loan, backed by the government, is also known as a USDA rural development loan or mortgage. It is exclusively available in rural regions. Unlike an FHA loan, which demands at least a 3.5% down payment, the USDA mortgage requires no down payment.
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