USDA loans: zero down in eligible Connecticut towns
USDA financing offers 100% financing for eligible buyers in designated rural and suburban areas — many of Connecticut's smaller towns qualify. We check the address and your household income before you fall in love with a house that won't work.
Who it fits
Buyers in eligible towns
Many of Connecticut's smaller towns and suburban pockets qualify — we check the address for you.
Moderate-income households
Household income generally capped around 115% of the area median, varying by county and family size.
Buyers with little saved for a down payment
Zero down financing with guarantee fees lower than typical FHA mortgage insurance.
USDA guarantee fees vs. FHA mortgage insurance
An illustrative $300,000 USDA purchase with $0 down.
| Item | Rate | Amount | Compares to FHA |
|---|---|---|---|
| Upfront guarantee fee | 1.00% | $3,000 | FHA: 1.75% |
| Annual fee | 0.35% | $1,050/yr | FHA: ~0.55%/yr |
Illustration only. USDA loans have no published maximum loan amount — your buying power is set by income and debt-to-income ratio rather than a dollar cap. Property must be in a USDA-eligible area.
Where USDA helps
- 0% down payment required
- Guarantee fees typically lower than FHA mortgage insurance
- No maximum purchase price — income and DTI set your limit
- Sellers may contribute toward closing costs
What to weigh
- Property must be in a USDA-eligible area
- Household income is capped by area and family size
- Primary residences only
- Fixed-rate financing only
Common questions
How do I know if a property qualifies?
USDA eligibility is based on the property's exact location — we check the address against the current USDA eligibility map for you.
What are the income limits?
Generally around 115% of the area median income for your household size and county, though the exact figure varies by location.
Is there a maximum loan amount?
No published cap — USDA loans size to what your income and debt-to-income ratio support, rather than a fixed dollar limit.
Can I get a USDA loan for an investment property?
No — USDA financing is limited to primary residences.
See if your address qualifies for USDA
No cost, no obligation — we'll check eligibility and income limits together.