USDA Vs. FHA Pro and Con comparison in Grants, Cibola County, NM

In 2025, USDA loan limit in Grants, county of Cibola, NM is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Grants, county of Cibola, 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 Grants, NM

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Mexico?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • VNBNM
  • 322 North Riverside Drive, Espanola, NM, 87532
  • At VNBNM we will help you understand what the banks are telling you. Learn how different types of loans and investments work so that you can make an informed decision when you need a loan or when you got some extra money to invest. Never assume that the bank clerk or financial advisor have your best interest in mind when they are advising you.
  • Major Mortgage
  • 5600 Mickey Dr, Suite D, Farmington, NM, 87402
  • 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
  • 16 County Road 6500, Kirtland, NM, 87417
  • 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.
  • U.S. Eagle Federal Credit Union
  • 559 W. Cordova Rd, Santa Fe, NM, 87505
  • US Eagle Federal Credit Union serves our members by providing financial products and services to help them attain personal financial success. Founded in 1935, U.S. Eagle is the State's oldest credit union. With nine branch offices (six in Albuquerque, one in Bernalillo, one in Santa Fe, and one in Farmington).
  • Sunset Financial Services Inc
  • 2010 Cerrillos Rd, Suite 9, Santa Fe, NM, 87505
  • Sunset Financial Services Dedicated to delivering the highest quality of service to our customer's as possible. When we provide a service, we do so seamlessly and ensure it is a pleasant and enjoyable experience for everyone involved. We provide loans for help with family members, medical expenses.
  • Northern New Mexico School Employees Federal Credit Union
  • 614 Alta Vista St, Santa Fe, NM, 87505
  • Northern New Mexico School Employees Federal Credit Union is a unique kind of financial institution. It is an organization of people, not dollars, where you, the member, comes first. The credit union is a member owned, not-for-profit, full-service financial institution, guided by a volunteer Board of Directors.
  • Loan Fox Inc.
  • 1228 Osage Ave, Santa Fe, NM, 87505
  • At Loan Fox Inc, we are dedicated to providing clients with the knowledge needed to make the right decision when financing their home. Although we are located in Santa Fe, we specialize in mortgage loans in Albuquerque, Las Cruces, and throughout the entire state of New Mexico. Whether you are a first-time homebuyer, looking to buy a second home,
  • High Desert Community Credit Union
  • 321 S Main Street, Aztec, NM, 87410
  • 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
  • 109 W Chaco St, Aztec, NM, 87410
  • 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.
  • Santa Fe Mortgage
  • 459 Cerrillos Rd, Santa Fe, NM, 87501
  • Santa Fe Mortgage focuses on giving our customers personalized service while also providing rates that are comparable to or better than those offered by the big banks. Owner Lance Armer has dedicated himself to the mortgage industry – and could not imagine doing anything else. His story reflects the story of Santa Fe Mortgage.
  • Mortgage Partners
  • 417 E. Palace Ave, Suite C, Santa Fe, NM, 87501
  • Our mission is to find you the best mortgage product to fit your needs, secure it at the best rate possible, and guide you through the loan process with personalized service. Our expertise-with more than 45 collective years of professional experience-allows us to provide you with personalized
  • Direct Payday Loans
  • 70 E San Francisco St, Santa Fe, NM, 87501
  • directpaydayloans.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service.