For the year 2026, the USDA loan cap in Belen, which is within Valencia, NM, is $336,500. Conversely, the FHA limit is set at $472,030 for single-family homes.
Leverage the Lendersa® USDA loan calculator to evaluate today's leading rates between USDA and FHA loans, and ascertain the necessary income, credit scores, reserves, and documentation for qualification. With access to our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting in choosing the most suitable plan in
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| Category of Loan | Maximum Loan Amount | Required Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa®'s mission is to provide you with the quickest access to the most favorable USDA or FHA loans, with no unnecessary stress. Select from one of three starting paths that lead to matching lenders and USDA loan schemes.
The USDA home loan is a government-backed mortgage, officially known as the USDA rural development loan or simply USDA mortgage, offered solely in rural locales. Unlike FHA mortgages, which necessitate a minimum down payment of 3.5%, USDA loans allow you to pay no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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