As of 2025, in Waterbury, within New Haven county, CT, the USDA loan limit is set at $336,500, while the FHA loan cap for a single-family home is $472,030.
Make use of the Lendersa® USDA loan calculator to assess today's leading USDA against FHA rates. This valuable tool assists in determining the income, credit score, reserves, and documentation you require to qualify. Utilizing our state-of-the-art mortgage calculator, you can compare USDA, FHA, Conforming, and VA loan options side by side to identify which program best suits your unique financial needs, particularly in regions like
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| Type of Loan | Maximum Loan | Down Payment Requirement |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to provide you with the most suitable USDA or FHA loan quickly and without stress. Start by selecting one of three approaches that will align you with lenders and associated USDA loan programs.
The USDA home loan, underpinned by the governmental Department of Agriculture, also goes by USDA rural development loan or USDA mortgage. These loans are intended strictly for rural communities. While FHA mortgages necessitate at least a 3.5% down payment, a USDA loan usually requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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