As of 2026, in Gallup, located in the county of McKinley, NM, the USDA loan cap stands at $336,500, while the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's top rates for USDA versus FHA loans. This tool also helps you identify the income, credit score, reserves, and documents needed for qualification. By employing our sophisticated mortgage calculator, you can concurrently compare USDA, FHA, Conforming, and VA options, aiding you in selecting the most suitable program for your financial circumstances in .
Loan limits and down payment guidelines for 2026 in Gallup, county of McKinley, NM
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA loans in Gallup, NM
The primary objective of Lendersa® is to secure the most advantageous USDA or FHA loan with efficiency and minimal stress. Choose from one of three initial paths leading to matching lenders and USDA programs.
A USDA home loan is backed by the United States Department of Agriculture, often referred to as a rural development loan or USDA mortgage. It is exclusively available in rural areas. While FHA mortgages require a minimum of 3.5% as a down payment, the USDA loan eliminates the need for a down payment altogether.
We are proud to have grown in our communities and we wish to express our appreciation for the many fine customers and friends who give us the opportunity to be of service. We sincerely hope that we will merit your continued loyalty and confidence and that we will be able to provide banking services for the area for many years in the future.
At 18th Street Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
A commercial mortgage is a mortgage loan granted to different type of businesses secured by commercial property. Commercial loans are available for both owner-Occupied and investor properties, including office building, shopping center, industrial warehouse, or apartment complex. Borrowers can have up to 90% commercial financing.
Republic State Mortgage, we believe in building relationships that deliver happiness and fulfill the American Dream. This purpose statement is how we approach each and every one of our customers. Our goal is to deliver you the best home lending options through an experience that leaves you comforted.
First Community Bank of the Ozarks is a financial institution that is committed to serving the personal and business banking needs of the Branson, Hollister and Forsyth communities. Because we’re a community bank, we offer local decision-making from people you know and trust. First Community Bank Established in 1993.
7070 Knights Ct, Suite 402, Missouri City, TX, 77459
FIRST STEP MORTGAGE, your local Houston mortgage professionals. As licensed mortgage originators, our reputation is built on professionalism, integrity and the ability to keep transactions on track. We are dedicated to helping our clients obtain a mortgage that fits their specific financial goals
We will treat you right and give you the individual attention you deserve. We know the big commitment you are making in purchasing a home, refinancing a mortgage, or cashing out your equity. So here is our commitment to you: we can help you qualify, apply and be approved for the best mortgage loan for you.
The Baylor College of Medicine Federal Credit Union is a member owned, not-for-profit credit cooperative led by unpaid volunteers who are democratically elected from its membership.
Our mission is to deliver the highest quality financial services and education to our members and encourage thrift.
Bayou City Federal Credit Union has been open since 1980. The credit union has assets totaling $29.56 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to healthcare services employees.
For six decades and counting, First Community has been working to build a stronger Houston. Yes, we've grown from modest beginnings to $1.9 billion in assets, becoming one of Houston's largest credit unions - and we did it by putting people FIRST.
When you join First Community, we get to know you — because that’s the best way
2000 Crawford Street, Suite 840, Houston, TX, 77288
Private Leverage exists to serve a community of borrowers that exhibit character, yet are underserved by traditional capital markets. We embrace economic empowerment as a solution to many of our client's needs, and look to provide leverage in the form of private lending to assist in their journey.
