As of 2026, the USDA loan limit for a single-family home in Chaparral, within Dona 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
Compare loan offers from more than 100 lenders
| Type of Loan | Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
Bridge Loan Guides
