As of 2025, the USDA loan limit for a single-family home in Chaparral, within Do?a Ana County, NM, is $285,000, whereas the FHA limit is $356,362.
To compare the most competitive rates for USDA and FHA loans, use Lendersa®'s USDA loan calculator. It allows you to assess income, credit, reserves, and documentation requirements needed for qualification. The advanced mortgage calculator also provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans, guiding you in selecting the appropriate program for your financial scenario in .
2025's Loan Limits and Down Payment Requirements in Chaparral, Do?a Ana County, NM
Type of Loan
Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Choices in Chaparral, NM
Lendersa® strives to secure the best USDA or FHA loan for you quickly and effortlessly. Choose from three starting points to match with lenders and explore USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, is often called a USDA Rural Development Loan or USDA mortgage, restricted to rural zones. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans demand no down payment.
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