Connecticut Mortgage Guides 2026
FHA limits by planning region, CHFA down payment assistance, USDA rural loans, VA resources for Connecticut’s military communities, and a complete closing cost breakdown — including Connecticut’s real estate conveyance tax — all in one place.
Everything You Need for a Connecticut Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Connecticut — from loan program selection to what you’ll pay at closing.
Connecticut Mortgage Guide
FHA loan limits by planning region, loan program comparison, property tax overview, and how the Connecticut housing market affects your financing options.
Read guide →Connecticut First-Time Home Buyer Guide
CHFA first mortgage programs, Time To Own down payment assistance up to $25,000, Police/Teacher/Military rate reductions, and income limits by region — compared side by side.
Read guide →Connecticut FHA Loan Requirements
2026 FHA limits for the Greater Bridgeport & Western Connecticut planning regions ($977,500) versus the rest of the state ($541,287), plus credit score and MIP rules.
Read guide →Connecticut VA Loan Requirements
VA entitlement, the 2026 funding fee chart, and resources for Naval Submarine Base New London (Groton), the U.S. Coast Guard Academy, and veterans statewide.
Read guide →Connecticut USDA Loans
Current USDA income limits and eligible rural/suburban areas in Litchfield, Windham, Tolland, and outer New London County, and how zero-down USDA compares to FHA.
Read guide →Connecticut Closing Costs Guide
Connecticut’s real estate conveyance tax explained, the role of closing attorneys, and a complete fee-by-fee breakdown for Connecticut buyers and sellers.
Read guide →Key Connecticut Mortgage Facts
FHA Loan Limits
- Most CT planning regions: $541,287
- Greater Bridgeport (Bridgeport/Stratford): $977,500
- Western Connecticut (Stamford/Greenwich/Danbury): $977,500
- Connecticut is organized by 9 planning regions, not legacy counties, for 2026 federal loan limits
Down Payment Assistance
- CHFA Time To Own: up to $25,000, 0% interest, forgiven 10%/year over 10 years
- CHFA Downpayment Assistance Program (DAP): second mortgage, min $3,000
- Police, Teacher & Military Homeownership Programs: 0.125% rate reduction
- Credit score: no CHFA overlay; follows FHA, VA, USDA or conventional rules
USDA Income Limits
- Range: $146,050–$176,150 (1–4 person) / $192,800–$232,550 (5–8 person)
- Limits vary by town — verify your address
- FY2026 figures, effective July 13, 2026
Closing Cost Highlights
- Connecticut real estate conveyance tax: 0.75%–2.25% state (marginal tiers) + 0.25%–0.5% municipal
- Connecticut closings are typically conducted by attorneys
- Conveyance tax is paid by the seller under state law
Buying or Refinancing in Connecticut?
Connecticut has real programs worth knowing before you shop for a mortgage. CHFA’s Time To Own program can put up to $25,000 toward your down payment and closing costs, forgiven over 10 years. And Connecticut’s real estate conveyance tax (a state tax of 0.75% on the first $800,000, 1.25% up to $2.5 million and 2.25% above that, plus a municipal tax of 0.25%, up to 0.5% in some towns such as Hartford, Bridgeport, New Haven, Norwalk, and Waterbury) is paid by the seller under state law — but every buyer should understand it before negotiating a contract.
- ✓ Check CHFA Time To Own eligibility and current funding at chfa.org
- ✓ Confirm your town’s 2026 FHA loan limit with HUD’s official FHA limit lookup tool
- ✓ Look up your municipality’s conveyance tax rate via the CT Dept. of Revenue Services before you write an offer
- ✓ Check a specific address for USDA eligibility at USDA’s eligibility map
No obligation · Educational first
Talk to a Connecticut Mortgage Advisor
Have questions about buying or refinancing in Connecticut? A licensed mortgage advisor can walk you through your loan options, assistance programs and costs, with no obligation.
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