USDA Vs. FHA Pro and Con comparison in Southbury, New Haven County, CT
For the year 2026, 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 .
2026 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.
At Seacoast, we are dedicated to always earning clients’ trust before their business. We consult with you, understand your needs and then help you choose the mortgage program that is best for you. Seacoast loan officers and dedicated support staff are here for you 24 hours a day, 7 days a week. Our line is always open.
We're 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 full range of mortgage sources & all of our lending specialists are dedicated to finding the right loan-with the best rates,terms & costs-to meet your unique needs
BankNewport is proud to be your community bank. Founded in 1819, we are one of the oldest mutual savings banks not only in Rhode Island, but in the entire United States. Currently holding $1.6 Billion in assets, BankNewport is an FDIC-insured savings bank and a subsidiary of the Mutual Holding Company, OceanPoint Financial Partners, MHC.
People’s Credit Union is a community Credit Union that has served the people of Rhode Island and Southeastern Massachusetts since 1922. People's Credit Union is owned by its members and is a not-for-profit, cooperative financial institution. We operate 6 branches located in Bristol, Middletown, Newport, North Kingstown, Portsmouth, and Wakefield.
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Mr. Jernstedt brings over 25 years of experience, originating residential and commercial loans. When you apply for a loan with Newport Mortgage LLC,"
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