USDA Vs. FHA your options comparison in Farmington, San Juan County, NM
For 2026, 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.
2026 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.
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.
Four Corners Community Bank (FCCB) serves San Juan County in New Mexico, and Montezuma and La Plata counties in Colorado. Since 2000, the bank has focused on providing safe, sound, and local services within each community it is located. Each of its seven locations is a full-service financial institution, offering complete personal
Here at Major Mortgage We are your Local Mortgage Lender and we strive daily to be a one stop shop for you by providing Processing, Underwriting and Closing all under the same roof. Our team of licensed experts have a combined 40 years of experience and extensive knowledge and understanding of loans and how they work.
Four Corners Federal Credit Union is a community credit union serving all residents of San Juan County. Four Corners FCU serves all residents of San Juan County, New Mexico. Four Corners Federal Credit Union has been open since 1965. It's the 25th largest credit union in New Mexico with assets totaling $20.32 Million.
Our Mission Statement is to promote thrift among it’s Members and to create a source of Credit that is easily accessible by the Membership. High Desert Community Credit Union is a member of NCUA. They insure your deposits just as the FDIC does for banks. We moved into our new location at 321 S. Main in Aztec, NM on May 17, 2019.
Key Mortgage Group 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.
Cuba Credit Union was charted in 1972 as a school-based credit union including Cuba Independent Schools and Jemez Mountain Schools. Over the years, there have been several managers and volunteers elected by the membership. These Managers and Volunteers set the foundation for the Credit Union we have today.
