USDA Vs. FHA Pro and Con comparison in Eunice, Lea County, NM

In 2025, the USDA loan limit in Eunice, which is in Lea county, NM, is set at $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA rates. It determines what income level, credit, reserves, and documents are necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, helping you select the best program for your financial situation in .

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2025 Loan Limits & Down Payment Requirements in Eunice, Lea, NM

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

USDA and FHA Loan Options in Eunice, NM

The aim of Lendersa® is to secure the best USDA or FHA loan outcomes swiftly and without hassle. Start by selecting one of three initial steps that connect you with matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NM

A USDA home loan, insured by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans have no down payment requirement.

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



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