USDA and FHA Pro and Con in Bloomfield, San Juan County, NM

In 2025, if you're in Bloomfield, within San Juan, NM, the USDA loan cap is $336,500, whereas for an FHA loan, it is $472,030 for a single residence.

Use the Lendersa® USDA loan calculator to juxtapose today's USDA and FHA leading rates and find out the income, credit, reserves, and paperwork required to qualify. Our cutting-edge mortgage calculator allows you to view USDA, FHA, Conforming, and VA in parallel, helping you pick the best financial program in Alabama for your needs.

Check offers from 100 lenders

2025 Loan Caps and Down Payment Info in Bloomfield, San Juan, NM

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

Discover USDA & FHA Loan Opportunities in Bloomfield, NM

Lendersa® strives to secure you the most suitable USDA or FHA loan swiftly and effortlessly. Begin with one of the three pathways leading to linking with lenders and discovering USDA programs.

Lendersa USDA loan request and matching results

Understanding a USDA Loan in NM

The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA mortgage or rural development loan, designated for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • Eagle Bank & Trust
  • 650 S Shackleford Rd, Suite 150, Little Rock, AR, 72211
  • Eagle Bank & Trust Company has been serving customers in central Arkansas and beyond since 1919. From our humble beginnings, we’ve grown to 13 full-service Bank locations and mortgage loan production offices located in six states (Arkansas, Florida, Idaho, Louisiana, Mississippi, and Tennessee
  • Southern Bancorp (Lending Services ONLY)
  • 400 Hardin Rd, Suite 100, Little Rock, AR, 72211
  • Southern Bancorp is more than a bank. It is an opportunity center, a place where anyone can receive help no matter where they may be on their financial journey. We provide affordable and responsible banking products and financial development services to rural and underserved communities in the Mid-South.
  • TruService Community FCU
  • 11001 Hermitage Road, Little Rock, AR, 72211
  • TruService Community Federal Credit Union is proud to be the first and oldest credit union in Arkansas, chartered in 1930 by U.S. Postal employees. We are federally insured by the National Credit Union Administration (NCUA). TruService owes its existence to the foresight and thrift of the Postal Workers in Arkansas.
  • Wonder State Mortgage
  • 650 S. Shackleford, Suite 400, Little Rock, AR, 72211
  • 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.
  • CAPITAL HOME LENDING
  • 4532 Pasadena Blvd, Suite C, Pasadena, TX, 77503
  • Capital home lending are a full-service mortgage brokerage specializing in every area of residential home lending.Our mission is to enrich and empower people's lives through homeownership while providing them with the lowest interest rate and closing costs. and We pledge to deliver our clients and referral partners.
  • Custom Funding
  • 3219 Maryfield Lane, Pearland, TX, 77581
  • Custom Funding 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
  • Preferred Funding, LLC
  • 2530 O'Day Rd, Pearland, TX, 77581
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Mortgage Options of Texas Limited Company
  • 2404 South Grand Boulevard, Suite 220-A, Pearland, TX, 77581
  • Committed to providing ideal financing options to homebuyers and homeowners. We care what our customers think of us and so should you. We are partners in your business and your success is ours. Independent, locally owned mortgage brokerage offering various loan options. VA, FHA, conventional, reverse & Non QM loans.
  • IBEW Local 66 Federal Credit Union
  • 4345 Allen Genoa Road, Pasadena, TX, 77504
  • IBEW Local 66 Federal Credit Union has been open since 1971. The credit union has assets totaling $10.02 Million and provides banking services to more than 1, 000 members. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.
  • Benchmark Mortgage
  • 2121 Watt St, Suite B, Little Rock, AR, 72227
  • Benchmark is a full-service mortgage banker and seller-servicer We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence, positive attitude. Everything we do comes back to these five defined beliefs. Adhering to these values dictates the way we think, manage our business.
  • Reliance State Bank
  • 175 E. 3rd St., Garner, IA, 50438
  • Reliance State Bank is a local, full-service bank proudly serving Story City, Garner and the surrounding communities. We offer all the traditional banking products and services you need, along with the latest on-the-go banking options you want. Our commitment is to deliver the highest quality service to each and every customer.