USDA Vs. FHA Pro and Con comparison in Watertown, Litchfield County, CT

In 2025, the USDA loan limit in Watertown, situated in Litchfield County of CT, is set at $336,500, whereas the FHA limit for a single-family residence is $472,030.

Leverage the Lendersa® USDA loan calculator to evaluate and compare today's best USDA and FHA rates. Identify the necessary income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator allows for a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you choose the right program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Watertown, Litchfield, CT

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Choices in Watertown, CT

Lendersa® strives to secure the most beneficial USDA or FHA loan with speed and minimal difficulty. Choose one of three starting paths to connect with the appropriate lenders and USDA loan offerings.

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Understanding USDA Loans in CT

A USDA home loan, supported by the U.S. Department of Agriculture, is also known as a USDA rural development loan. It is available only in rural regions and, unlike FHA loans that require at least a 3.5% down payment, it demands no down payment.

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



  • Rancho Capital Home Loans
  • 9121 Haven Avenue, Suite 210, Rancho Cucamonga, CA, 91730
  • Rancho Capital Home Loans specializes in financing residential properties in Rancho Cucamonga.We pride ourselves in professionalism and customer service. For all of your home loan needs and In 2019 our ownership opened Rancho Capital Home Loans with a goal of providing the best customer experience and the lowest rates in our surrounding area.
  • The Mortgage Phoenix Group
  • 8599 Haven Ave #301, Rancho Cucamonga, CA, 91730
  • The Phoenix Mortgage Group is a boutique Mortgage Planning Firm that offers the industries most comprehensive mortgage advice while simultaneously providing a work environment that loves and cares for it’s clients, partners, staff, environment and community and also We provide our clients clear, simple, and powerful mortgage plans.
  • Integrity Home Finance
  • 9377 Haven Ave. #110, Rancho Cucamonga, CA, 91730
  • Integrity Home Finance, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use ""common sense"" and will help you obtain the best loan possible. We represent a wide range of ""A"" rated lenders with first quality rates to private ""hardship"" lenders.
  • The Brandon Drew Group- Mortgage Firm
  • 8463 HAVEN #B, Rancho Cucamonga, CA, 91730
  • The Brandon Drew Group is more than a family business, it’s our opportunity to serve our community the best way we know how. Whether you're a home buyer or real estate professional, we're devoted to adding confidence, clarity, and certainty to your biggest investments. After all, we know the type of attention each and every loan deserves.
  • Monterey Mortgage Hard Money Loans & Trust Deed Investments
  • 9513 Business Center Dr, Suite G, Rancho Cucamonga, CA, 91730
  • Rancho Cucamonga Mortgage Loans by a Rancho Cucamonga Mortgage Company. Monterey Mortgage 909-944-8001 – Specializing in Bad Credit Home Equity Loans, Hard Money Commercial Loans, and home loans with competitive interest rates and personal service. Rancho Cucamonga Mortgage Company serving all of California with hard money loans
  • O1NE MORTGAGE INC
  • 9267 Haven Ave, Suite 255, Rancho Cucamonga, CA, 91730
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Portland Loan Team LLC
  • 1825 North East 50th Avenue, Portland, OR, 97213
  • Portland Loan Team is an independent mortgage brokerage in Portland, Oregon. We offer competitive rates with a personal touch, a single point of contact available seven days a week, and 24-hour pre-approval to expedite the offer process. Everyone wins! We are a small Mortgage Broker focused on great service and rates.
  • Oregon Home Mortgage
  • 1585 W Main St, Suite S, Molalla, OR, 97038
  • At Oregon Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • NorthWest Funding Group, Inc.
  • 802 Officers Row, Suite C, Vancouver, WA, 98661
  • We’re Northwest Funding Group, and we’re legacy builders. We build every loan experience around you, a unique approach that allows you to have a voice. You are heard, valued, and our investment in you is heartfelt. We love what we do and we know how to do it, which shows throughout every single step of the process.
  • The Mortgage Pros Funding, Inc
  • 4199 Flat Rock Road, Suite 116, Riverside, CA, 92505
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Certys Financial Inc.
  • 10705 Magnolia Ave, Riverside, CA, 92505
  • Certys Financial Inc (NMLS #1096493) is a mortgage company serving the states of California, Texas, and Pennsylvania. We use the latest technology such as electronic signing (E-Sign) and paperless processing to ensure minimum effort on your part and speedy processing on ours. Our regard for your financial well being won't allow us
  • Campbell Financial Services, Inc.
  • 4181 Flat Rock Drive, Suite 250, Riverside, CA, 92505
  • Since 1989 Campbell Financial Services has continued with one purpose in mind: To meet the needs of our clientele by providing a full array of lending options in an efficient, straight-forward manner. We know you’re busy and that your time is important, and we’re committed to being your lending expert!