USDA and FHA Pro and Con in Aztec, San Juan County, NM
In the year 2026, the USDA loan ceiling in Aztec, located in the county of San Juan, NM, is set at $336,500, while the FHA threshold for a single-family residence stands at $472,030.
Utilize the Lendersa® USDA loan calculator to examine today’s prime rates for USDA versus FHA, and assess the income, credit score, reserves, and documentation needed for application approval. By engaging our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, facilitating an informed choice about the most suitable program in for your unique financial needs.
Loan ceilings and down payment specifics for 2026 in Aztec, within San Juan, NM
Loan Category
Limit Amount
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
FHA and USDA loan alternatives in Aztec, NM explained
The aim of Lendersa® is to swiftly provide you with the optimal USDA or FHA loan without unnecessary complications. Choose from three different routes that can align you with matching lenders and USDA loan schemes.
The USDA home loan, also recognized as the USDA rural development loan or USDA mortgage, is backed by the United States Department of Agriculture. It's specifically available in rural settings and differs from FHA loans, which demand a minimum down payment of 3.5%. Importantly, the USDA mortgage requires no down payment at all.
Our Mission Statement is to promote thrift among it’s Members and to create a source of Credit that is easily accessible by the Membership. High Desert Community Credit Union is a member of NCUA. They insure your deposits just as the FDIC does for banks. We moved into our new location at 321 S. Main in Aztec, NM on May 17, 2019.
Key Mortgage Group Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Here at Major Mortgage We are your Local Mortgage Lender and we strive daily to be a one stop shop for you by providing Processing, Underwriting and Closing all under the same roof. Our team of licensed experts have a combined 40 years of experience and extensive knowledge and understanding of loans and how they work.
Four Corners Federal Credit Union is a community credit union serving all residents of San Juan County. Four Corners FCU serves all residents of San Juan County, New Mexico. Four Corners Federal Credit Union has been open since 1965. It's the 25th largest credit union in New Mexico with assets totaling $20.32 Million.
Four Corners Community Bank (FCCB) serves San Juan County in New Mexico, and Montezuma and La Plata counties in Colorado. Since 2000, the bank has focused on providing safe, sound, and local services within each community it is located. Each of its seven locations is a full-service financial institution, offering complete personal
