USDA Vs. FHA Pro and Con comparison in Farmington, San Juan County, NM

For 2025, in Farmington located within San Juan county, NM, the USDA loan limit is $336,500, and the FHA limit stands at $472,030 for a single-family residence.

Utilize Lendersa®'s USDA loan calculator to compare today’s prime USDA versus FHA interest rates. Determine the required income, credit, reserves, and documentation to qualify. With our state-of-the-art mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options simultaneously to decide which program in meets your financial preferences best.

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2025 Loan Limits and Downpayment Requirements in Farmington, San Juan, 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 Opportunities in Farmington, NM

Lendersa®’s goal is to swiftly secure the best USDA or FHA loan for you, hassle-free. Choose one of three starting points to find matching lenders for USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NM

The USDA home loan, backed by the U.S. Department of Agriculture and known as the USDA rural development loan, is available primarily in rural areas. Contrary to FHA loans which require a minimum 3.5% down payment, USDA loans need none.

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



  • Total Choice Mortgage
  • 555 S Front Street, Columbus, OH, 43215
  • Our vision is to create an exceeding mortgage experience for our customers. Every business decision we make is centered around our biggest asset, our customers To become a winning brand in the mortgage industry by driving a culture of customer-centricity through every phase of the mortgage process.
  • Pace Financial Group
  • 250 Civic Center Dr, Suite 150, Columbus, OH, 43215
  • Pace Financial Group offers a full range of commercial real estate funding options as well as a full service commercial mortgage loan servicing operation. Financing options include first and second mortgage debt, equity investments, mezzanine financing & brokerage services. Pace expanded its focus to include the brokerage of interim, construction.
  • Armstrong Mortgage Co
  • 1225 Dublin Road, Columbus, OH, 43215
  • Armstrong Mortgage Company is a full service Mortgage Banking firm, founded in 1971. Armstrong provides mortgage services for its clients, such as Multifamily Owners and Developers, Commercial Property Owners and Developers as well as health care developers and owners. A major business emphasis is on the construction and permanent financing.
  • FirstCap US Mortgage LLC
  • 875 N. High Street, Suite 300, Columbus, OH, 43215
  • Our mission is to remove barriers and rid the antiquated processes to deliver the lowest rate for our client. FirstCapUS raises your mortgage expectations with trusted service locally in the Midwest, a digital approach that increases ease of use and people who believe in integrity first and foremost -enabling you to focus on your next life move.
  • Liberty Mortgage Company, Inc
  • 473 E. Rich St., Columbus, OH, 43215
  • LIBERTY MORTGAGE COMPANY STRIVES TO ENSURE THAT EVERY CLIENT HAS ACCESS TO THE LOWEST RATES AVAILABLE, NO MATTER THEIR SITUATION, FOR THEIR HOME MORTGAGE LOANS. WHETHER THEY ARE FIRST TIME HOME BUYERS, OR REFINANCING FOR THE TENTH TIME, FHA, HARP, VA, USDA AND JUMBO MORTGAGE LOANS ARE AVAILABLE
  • ReCasa Financial Group
  • 130 East Chestnut St., Suite 200, Columbus, OH, 43215
  • ReCasa Financial Group, LLC provides an array of products and services for real estate investors to successfully exceed their profit and investment return objectives. Real estate loans, real estate investor education, and services offerings are tailored for each investor’s situation. The core loan product provides 100% financing for rehab projects.
  • Safe Harbor Mortgage, llc
  • 4841 Stone Moss Path, Hoschton, GA, 30548
  • In 2012, after 15 years in the mortgage industry, Barb Bone stepped out to establish Safe Harbor Mortgage, a residential mortgage brokerage built upon three core values - professionalism, integrity, and a committment to personal service. In an industry often marked by companies chasing profits over the priorities of their customers
  • LOC Credit Union
  • 22981 Farmington Road, Farmington, MI, 48336
  • At LOC Credit Union, we’re ready for you. No matter where you are in life, we’re dedicated to taking you further. That first savings account where every dollar matters. That vehicle for which costs and need can conflict. That home that can be the foundation for life or a burden. Those dreams you’ve always had.