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USDA loans in Connecticut

Quick answer

USDA loans in Connecticut offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

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

USDA loan snapshot for Connecticut

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical CT home value$343,200
3.5% down on typical home$12,012
20% down on typical home$68,640
Avg. effective property tax1.92%/yr (~$548/mo)
Income for typical home (31% rule)$119,000

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

Which Connecticut programs pair with USDA loans?

  • Time To Own: Forgivable down payment assistance for buyers in eligible areas and income ranges.
  • Down Payment Assistance Program (DAP): A low-rate second mortgage that can cover the down payment and closing costs alongside a CHFA first mortgage.

Details and current limits: Connecticut Housing Finance Authority (CHFA).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Connecticut cities

BridgeportStamfordNew HavenHartfordWaterburyNorwalkDanburyNew BritainWest HartfordBristolMeridenWest HavenEast HartfordMilfordMiddletownSheltonNorwichManchesterTorringtonNaugatuckNewingtonEast HavenNew LondonWethersfieldNorth HavenAnsoniaWallingford CenterWillimanticGreenwichOrangeStorrsWindsor LocksDerbyBethelTrumbull Center

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Connecticut qualify; check a specific address on the USDA eligibility map.

Often yes. Connecticut Housing Finance Authority (CHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Connecticut.

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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.