New Haven, CT Mortgage Rates
Live Mortgage Rates in New Haven, Connecticut
6.490%
New Haven Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:02 PM UTC
Sourced live from hundreds of wholesale lenders serving New Haven and Connecticut
New Haven Benchmark Rates
Lowest available rate with no discount points paid in New Haven, CT for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · New Haven, CT | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · New Haven, CT | 5.990% | 6.020% |
VA VA Purchase (100% LTV, 680 FICO) · New Haven, CT | 5.990% | 6.021% |
2026 Loan Limits in Connecticut
Conforming
$832,750 baseline
High-cost Connecticut counties go up to $1,249,125 - New Haven may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Connecticut counties allow more, up to $1,249,125 - check your specific county.
About New Haven Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a New Haven, Connecticut homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Connecticut and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a New Haven property.
Your specific New Haven rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Connecticut lender network, use the Rate Direct pricer.
New Haven buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Connecticut, see the Connecticut DPA guide.
Get your personalized New Haven mortgage rate
The rates above are the market benchmark for New Haven. Your actual rate depends on your scenario.