USDA VS FHA in Artesia, Eddy County, NM

During 2025, the USDA loan limit in Artesia, located in Eddy County, NM, is $336,500, whereas the limit for FHA is $472,030 applicable for a single-family dwelling.

To compare today's top USDA against FHA rates, make use of Lendersa®'s comprehensive USDA loan calculator. This tool assists in discerning the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA loan options to help determine the best program for your financial scenario in .

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2025 Loan Limits and Down Payment Specifications in Artesia, Eddy County, NM

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Programs in Artesia, NM

The mission at Lendersa® is to deliver the most favorable USDA or FHA loan swiftly and effortlessly. Choose one of three initial steps leading to suitable lenders and access to USDA loan offerings.

Lendersa USDA loan request and results

Details on USDA Loans in NM

A USDA home loan, guaranteed by the U.S. Department of Agriculture, commonly referred to as a USDA Rural Development Loan or USDA mortgage, is accessible solely in rural locales. Different from FHA loans, which necessitate at least a 3.5% down payment, USDA loans do not require any down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Farmers Bank of Mt. Pulaski
  • 130 South Washington Street, Mount Pulaski, IL, 62548
  • The history of The Farmers Bank of Mt. Pulaski, Illinois begins in 1872 when Leonard K. Scroggin, with the assistance of Walter Sawyer, formed a private bank, known as the Scroggin & Sawyer Bank. Mr. Scroggin was a local land owner and had a successful farming business which had grown to such an extent that he decided to open a private bank.
  • Farmers and Merchants Saving Bank
  • 101 E Main St, Manchester, IA, 52057
  • F&M Bank was established in 1925 in Manchester, Iowa. F&M Bank continues to be a locally owned and operated financial institution. In 1994, F&M Bank expanded into the Cedar Rapids metro market area and in 2004, established an office in Anamosa. In 2010, F&M became an interstate bank with the addition of the Vadnais Heights.
  • Advance Mortgage & Investment Company, LLC
  • 30500 State Highway 181, Suite 460, Daphne, AL, 36527
  • At AMIC, we strive to treat all our customers like friends and neighbors, because that's exactly what you are. Based in the Southeast, we live, work, and play right alongside many of our customers. We'll always guarantee you the best loan, work with local lenders whenever possible,
  • JC Mortgage
  • 4350 West Avenue, Suite 2, Atwater, CA, 95301
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Peoples Bank & Trust (Illinois)
  • 511 S. Main St, Altamont, IL, 62411
  • Peoples Bank & Trust wasn't a bank started by one individual. It’s a bank that began among many working to address the needs of their community, Pana, IL in the 1950s. The problem was that many Pana- area residents weren’t able to secure loans through the banks in town. A group of forward-thinking community leaders recognized this issue
  • Citizens Savings Bank, IA
  • 133 East Main Street, Hawkeye, IA, 52147
  • Citizens Savings Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public. Citizens Savings Bank is located in Hawkeye, Iowa, and was founded in 1927. Annual sales for Citizens Savings Bank are around USD 1, 002, 000.00. This business is working in the following industry: Finance other.
  • Tuscaloosa VA Federal Credit Union
  • 3701 Loop Road East, Tuscaloosa, AL, 35404
  • Tuscaloosa VA Federal Credit Union is a not-for-profit, member-owned, financial cooperative, committed to providing members with the financial services they need, when and where they need them — affordably, conveniently and professionally. Tuscaloosa VA Federal Credit Union was established in November 1951.
  • Red Oak Credit Union
  • 1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Red Oak Credit Union is owned by the members and managed and operated by a professional full-time staff and a 7-member board of directors. The board of directors are elected by the members and themselves are members. All deposits are insured to at least $250,000 by the National Credit Union Administration.
  • Alabama Rural Electric Credit Union
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
  • ALABAMA ONE
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Alabama ONE was chartered in 1951 as the TRW Federal Credit Union. The name was changed to BF Goodrich Employees Federal Credit Union on July 18, 1973, and remained that through many years of growth and prosperity. In early 2001, BF Goodrich Employees Federal Credit Union was granted the status of a Community Credit Union.
  • The First National Bank of Waseca
  • 101 North State Street, Waseca, MN, 56093
  • First National Bank is a local, family-owned and managed bank that has been proudly serving southern Minnesota since 1874. We strive to meet the growing needs of our customers while developing and maintaining the personal aspects of service that is synonymous with community banking.