In 2026, the USDA loan limit available in Bernalillo, within Sandoval county, NM, stands at $336,500. Meanwhile, the FHA limit is defined at $472,030 for a single-family home.
Apply the Lendersa® USDA loan calculator today to juxtapose USDA and FHA best rate options. Determine necessary income, credit score, reserve amounts, and documentation for qualification. Using our advanced mortgage calculator, view USDA, FHA, Conforming, and VA programs side by side to select the one that suits your unique financial circumstances in Alabama.
2026 Limits and Down Payment Criteria in Bernalillo, Sandoval County, NM
Loan Variety
Maximum Loan
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA & FHA Options in Bernalillo, NM
The objective of Lendersa® is to swiftly and conveniently secure the ideal USDA or FHA loan for you. Begin with one of three available processes that link you with matching lenders and USDA programs.
A USDA home loan is backed by the U.S. Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage. It's exclusively offered for rural areas. Unlike FHA mortgages requiring at least a 3.5% down payment, USDA loans are accessible with no down payment whatsoever.
A bit about us, so you'll feel more at home working with our team. Getting a home loan is an exciting (and sometimes overwhelming) time in your life. We are proud to work with you as an integral part of these moments. Regardless of your unique needs we bring all the right elements together to create a positive solution for your home loan
Davis Mortgage LTD is committed to providing clients with the highest quality financial services combined with the lowest rates available anywhere. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
At PSd, Ltd. a NM Mortgage Broker, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants. Our consultants know what it takes to get through underwriting quickly and efficiently. Also, as a broker, we have relationships with many lenders.
8220 San Pedro Drive NE, Suite 200, Albuquerque, NM, 87113
Lends in New Mexico
Century Bank was established in the Great State of New Mexico in 1887. Century Bank is a state chartered and locally owned, full service community bank.
Century Bank is proud to support New Mexico's financial needs including: commercial loans, mortgage loans, consumer loans, deposit products, wealth management
5501 Eagle Rock Ave NE, Bldg B, Albuquerque, NM, 87113
Lends in New Mexico
Indigo Mortgage is committed to an ethical process throughout all aspects of any mortgage loan transaction. We strive to treat each & every borrower with respect & we never forget that there are real people making real decisions.Indigo Mortgage understands that the needs of the client always come before the need of profits.
6700 Jefferson St NE, Suite D-1, Albuquerque, NM, 87109
Lends in New Mexico
WE'RE LOCAL—We aren’t a huge national chain with one-size-fits-all banking options—we’re a local partner with BIG ideas and the latest technology to help our members solve problems and grow. We employ around 140 community members, and our employees range from bright, promising college students to seasoned financial geniuses
4811B Hardware Dr NE, Suite 1, Albuquerque, NM, 87109
Lends in New Mexico
New Mexico Mortgage Advisors has been providing the Albuquerque community with financing solutions that are unmatched in the Real Estate market. New Mexico Mortgage Advisors persevered through these hard times and remains a leader in the local New Mexican Real Esate market today.
Take advantage of the local presence and personal service offered at ONE Residential Lending, LLC. Knowledge gained from 24 years in the mortgage industry allows us to assess every loan situation individually, and advise customers accordingly. Let us share our knowledge with you as we guide you through the mortgage process to completion
5353 Wyoming Blvd NE, Suite C, Albuquerque, NM, 87109
Lends in New Mexico
Our professional loan officers provide recommendations for the best loan based on your needs. Whether you're a first-time homebuyer or you’re well-versed in the process, buying or refinancing a home can be an exciting and rewarding experience with Creative Lending Corporation. We take the time to listen and we’ll work with you to find a home loan.
