USDA Vs. FHA your options comparison in Las-Cruces, Dona Ana County, NM
For 2026, the USDA loan limit in Las-Cruces, located in the county of Dona Ana, NM, is set at $285,000, whereas the FHA limit is fixed at $356,362 for a single-family home.
Utilize Lendersa®'s USDA loan calculator to compare the top rates of today’s USDA versus FHA loans, and find out the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, helping you to choose the best plan for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Las-Cruces, Dona Ana, NM
Loan Type
Loan Limit
Down Payment Percentage
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Las-Cruces, NM
Lendersa® aims to quickly connect you with the best USDA or FHA loan available, with minimal hassle. Start from one of three paths that lead to matched lenders and available USDA loan programs.
A USDA home loan, assured by the U.S. Department of Agriculture, is known as a USDA rural development loan or USDA mortgage, and is accessible primarily in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan needs no down payment.
FirstLight Federal Credit Union is a community financial cooperative dedicated to helping you and your families achieve financial security by providing accessible products, services, tools and education.
In 1955, nine pioneers developed a plan to help military and civilian personnel on Biggs Air Force Base have more access to credit
705 East University Avenue, Suite A, Las Cruces, NM, 88001
Lends in New Mexico
Pioneer Bank has been proudly serving the financial needs of Southeastern New Mexico and West Texas since 1901. We continue to offer the most innovative banking products along with providing you with the best customer service.
At Pioneer Bank, we know there is much more to life than managing your money.
Citizens Bank opened its doors in the historic Amador Hotel & adopted the “El Cortijo” as its symbol. This symbol depicts the sun radiating to neighboring communities surrounding the central area of trade. The Bank’s founders chose the symbol because they viewed the responsibility of the bank as being the heart of the community.
White Sands Federal Credit Union is a member-owned, not for profit financial cooperative committed to the financial well-being of its members. White Sands Federal Credit Union was chartered in 1952 and has offices in El Paso, Texas, Las Cruces, Truth or Consequences and White Sands Missile Range, New Mexico.
OFCU is your one stop shop for all your financial needs. Auto Loans, Mortgage Loans, Personal Loans, Credit Cards. We also have your basic needs Savings, FREE Checking, FREE Debit Card. Otero Federal Credit Union has been open since 1953. It's the 10th largest credit union in New Mexico with assets totaling $429.4 Million.
The membership was open to school employees in Otero County, employees of the credit union and members of the immediate families. A teacher from Ruidoso asked to join the credit union so the by-laws were amended to include the Lincoln County Schools into the field of membership in 1965. Charles Southard named the credit union L.O.C.O.
Bank 34 is a community bank founded in 1934 with locations in New Mexico and Arizona. We offer the same quality products, services and technology as the big guys, but a more personalized & friendly banking experience for true relationship banking. Bank 34 was quite literally founded on a dream. It was originally organized
