USDA-eligible areas may be found in parts of Connecticut, often in small towns, farm country and the outer edges of larger metro regions. Eligibility is set address by address, and household income limits vary by county, so two homes in the same county can get different answers. Choose your city below to learn how USDA home loans work nearby, then check the address on the USDA map before you call a lender.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Connecticut's state housing finance agency is Connecticut Housing Finance Authority (CHFA). Its homebuyer programs include HFA Advantage Loan Program, HFA Preferred Loan Program, Government Insured Mortgage Program. These programs work through participating lenders and have their own eligibility rules. See our Connecticut first-time buyer programs guide.
Where USDA loans activity is highest in Connecticut
| County | loans originated (2024 HMDA) |
|---|---|
| the Capitol Planning Region | 60 |
| the Naugatuck Valley Planning Region | 36 |
| the South Central Connecticut Planning Region | 19 |
| the Southeastern Connecticut Planning Region | 15 |
| the Greater Bridgeport Planning Region | 8 |
| the Western Connecticut Planning Region | 8 |
| the Lower Connecticut River Valley Planning Region | 8 |
| the Northwest Hills Planning Region | 5 |
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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
USDA Loans by city in Connecticut
- Ansonia
- Branford Center
- Cheshire Village
- Conning Towers Nautilus Park
- Cos Cob
- Derby
- Glastonbury Center
- Jewett City
- Kensington
- Naugatuck
- New London
- Oakville
- Old Greenwich
- Pawcatuck
- Riverside
- Rockville
- Sherwood Manor
- Simsbury Center
- Southwood Acres
- Stafford Springs
- Storrs
- Terryville
- Thompsonville
- Wallingford Center
- Willimantic
- Winsted
Common questions
Can I use a USDA loan for a second home or rental?
No. USDA loans are for primary residences only, so you must intend to live in the home as your main residence. Vacation homes, investment property and homes bought mainly to rent out are not eligible. If your plans change after you move in, talk with your servicer about the rules. For non-owner-occupied purchases, a lender can describe other loan types that may fit.
Can I buy a newly built home with a USDA loan?
Yes, new construction may be eligible if the lot is in an eligible area and the home meets program standards. Lenders typically want a certificate of occupancy and may require builder warranties or specific inspections. Some lenders also offer USDA construction-to-permanent financing, though it is less common. Check the lot address on the eligibility map before you sign a builder contract.
What is the USDA guarantee fee?
The guarantee fee is what borrowers pay for the USDA backing on the loan. It has an upfront portion, usually financed into the loan amount, and an annual portion divided into your monthly payments. USDA sets the fee levels and may adjust them. Your Loan Estimate will show exactly how the fee applies to your loan, so you can compare it with other options.
Related guides
- USDA Loan Eligibility: Property, Income and Residence
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Connecticut
USDA Loans overview · Connecticut mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025