Cheney Mortgage NMLS #1535047 · CT · MA · RI
The Zero-Down Map · Greater Hartford Edition

Where can you buy a home with nothing down?

Tap any of these 61 Connecticut towns. Green towns sit in USDA zero-down loan areas. Gold towns are split, where the street decides. Grey towns are outside USDA territory, and every one of them still has a low-down path. Nobody has put this on one map before, so we did.

DRAFT · PENDING USDA MAP VERIFICATION
USDA area Split town Other paths
Hartford Manchester Bolton Tolland Stafford Colchester Bristol Enfield Middletown Woodstock Lebanon New Hartford Glastonbury Coventry

How to read this map honestly

USDA draws its eligible areas at the parcel level and redraws them as census data changes. Town colors here summarize the current pattern: green means the town broadly sits inside a USDA area, gold means the boundary cuts through town, grey means it broadly does not. The only answer that counts for a specific house comes from the official USDA map and from a loan officer reviewing your file.

And a grey town is not a dead end. FHA at 3.5% down and Conventional 97 at 3% down work in every town on this map, VA at zero down for eligible veterans, and the difference between 3% down and 0% down on a median Hartford-area home is smaller than most buyers assume once you compare the full monthly cost. That comparison is free. Ask for it.

Found your town? Get the real numbers for it.

A licensed loan officer runs your income, your credit, and your town side by side across every program, and tells you plainly which one wins.

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