USDA Vs. FHA your options comparison in Aztec, San Juan County, NM
In the year 2025, 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 2025 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.
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