With rolling landscapes and a green vibrant countryside, Connecticut certainly has a lot to be proud of. Even better, with the introduction of its Rural Development Program, the United States Department of Agriculture is helping to strengthen many of this state’s already strong rural communities.

Offering what are referred to as USDA Home Loans, many home buyers in Connecticut may qualify for a loan that offers:

  •     No  Connecticut loan amount limitations
  •     $0 down, 100% financing is available
  •     No Connecticut monthly mortgage insurance
  •     Lower income families and those with blemished credit may qualify

Connecticut Areas that Qualify for a USDA Loan

At Consumer Real Estate Finance Co. we recognize that the term “Rural Development Loan” can be somewhat misleading. This is why we want to emphasize that USDA Loans are not just for Connecticut farmers. Instead, a great number of areas located all throughout this majestic state are USDA Loan eligible.  A good rule of thumb is to focus on communities that are located outside of major metropolitan area limits and have less than 20,000 residents.

You should never assume that your area does not qualify for a USDA Loan.  With help from the experts at Consumer Real Estate Finance Co., you can have your USDA eligibility questions answered.  For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Connecticut’s USDA Loan Income Limits By County

Some of the USDA Eligibility restrictions that determine if you qualify for a Connecticut USDA Loan include the county and zip code the property resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Connecticut USDA Home Loan cannot exceed their county’s set limit:

Quick Scroll
STATE:CONNECTICUT PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Bridgeport, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Danbury, CT HUD Metro FMR Area
VERY LOW INCOME 40750 46550 52350 58150 62850 67500 72150 76800
Apply Now LOW INCOME 57950 66250 74500 82800 89400 96050 102650 109300
MOD.INC-GUAR.LOAN 119050 119050 119050 119050 157150 157150 157150 157150
Stamford-Norwalk, CT HUD Metro FMR Area
VERY LOW INCOME 49150 56200 63200 70200 75850 81450 87050 92700
Apply Now LOW INCOME 64850 74100 83400 92650 100050 107450 114900 122300
MOD.INC-GUAR.LOAN 133200 133200 133200 133200 175800 175800 175800 175800
Hartford-West Hartford-East Hartford, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
North Middlesex County, CT SEA
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Southern Middlesex County, CT HUD Metro FMR Area
VERY LOW INCOME 38000 43400 48850 54250 58600 62950 67300 71650
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Milford-Ansonia-Seymour, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
New Haven-Meriden, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Waterbury, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Colchester-Lebanon, CT HUD Metro FMR Area
VERY LOW INCOME 38600 44100 49600 55100 59550 63950 68350 72750
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Norwich-New London, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Windham County, CT HUD Metro FMR Area
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
Litchfield County, CT
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500
New Milford, CT SEA
VERY LOW INCOME 33900 38750 43600 48400 52300 56150 60050 63900
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 111000 111000 111000 111000 146500 146500 146500 146500

 

As a resident of the great state of Connecticut, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!