Naugatuck Valley Planning Region, Connecticut Loan Limits for 2026

The FHA loan limit in Naugatuck Valley Planning Region is $541,287 for a one-unit home in 2026 (the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $851,000. Anything larger is a jumbo loan. HUD sets the FHA figure for the WATERBURY-SHELTON, CT area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$541,287$851,000
2$693,050$1,089,450
3$837,700$1,316,900
4$1,041,125$1,636,550

FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $360,000.

What the limit means at the median price

The median Naugatuck Valley Planning Region home is worth $290,800. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $280,622, within the county limit.

Frequently asked questions

What is the FHA loan limit in Naugatuck Valley Planning Region for 2026?

$541,287 for a single-family home, $693,050 for a duplex, $837,700 for a triplex and $1,041,125 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Naugatuck Valley Planning Region is at the national floor, which applies to most counties.

What is the conforming loan limit in Naugatuck Valley Planning Region?

$851,000 for a one-unit home in 2026 ($1,089,450, $1,316,900 and $1,636,550 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.

Does the limit cap the home price?

No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

Loan limits in every Connecticut county → Naugatuck Valley Planning Region home buyer guide →

General information, not lending advice. Lenders may set their own lower caps.

Naugatuck Valley Planning Region overview