FHA Loan Limits in Connecticut (2026)
For 2026, the FHA loan limit in most Connecticut counties is $541,287 for a single-family home. 1 higher-cost Connecticut county carries a larger limit, up to $1,249,125.
FHA loan limits by county in Connecticut
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Fairfield County | $909,700 | $1,164,667 | $1,749,650 | High-cost |
| Hartford County | $541,287 | $692,997 | $1,041,072 | Standard |
| New Haven County | $541,287 | $692,997 | $1,041,072 | Standard |
| New London County | $541,287 | $692,997 | $1,041,072 | Standard |
| Litchfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| Middlesex County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tolland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Windham County | $541,287 | $692,997 | $1,041,072 | Standard |
Connecticut's median home price is roughly $400,000. With 3.5% down, an example FHA payment near that price is about $3,079/month including MIP, taxes, and insurance.
Buying with an FHA loan in Connecticut
FHA loans are popular with first-time buyers in Connecticut because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Connecticut for 2026?
- Most Connecticut counties use the national FHA floor of $541,287 for a one-unit home. High-cost Connecticut counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Connecticut?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.