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First-time home buyer programs in North Haven, CT

Quick answer

First-time buyers in North Haven, CT can use 3%-down conventional loans (up to the $832,750 South Central Connecticut Planning Region conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $360,100 median home, 3% down is about $10,803 and the estimated payment is $3,256/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $126,807; value-to-income ratio 2.84. North Haven ranks 11 by home value and 25 by population among 35 places in our CT dataset.

What does a first-time buyer loan cost on a typical North Haven home?

ItemNorth Haven
Median home value (Census ACS)$360,100
Connecticut median home value$343,200
Down payment (3%)$10,803
Loan amount$349,297
Estimated monthly payment (PITI + MI)$3,256
Income needed (28% / 36%)$140,000 / $109,000
South Central Connecticut Planning Region 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Connecticut's 1.92% effective property tax rate (Census ACS), $2,036/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in North Haven?

North Haven is in South Central Connecticut Planning Region. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The North Haven median home value of $360,100 is 5% above the Connecticut median, and within what the county limit supports.

Which down payment assistance programs can North Haven buyers use?

First-time buyer loans in nearby cities

Wallingford CenterNew HavenEast HavenWest HavenOrangeMeriden

First-time buyer loan FAQs for North Haven

On the $360,100 median: 3% conventional ≈ $10,803, 3.5% FHA ≈ $12,604, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in South Central Connecticut Planning Region become jumbo loans.

At the $360,100 median value (close to the Connecticut median of $343,200), the estimated payment of $3,256/month at 7.18% needs about $140,000 a year under the 28% housing guideline, or $109,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.