USDA Vs. FHA Pro and Con comparison in Las-Vegas, San Miguel County, NM

In the year 2025, the USDA loan limit for a single-family residence in Las-Vegas, located within San Miguel County, NM, is set at $285,000, whereas the FHA limit stands at $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate current USDA and FHA interest rates, enabling you to determine the necessary income, credit, reserves, and documents required for qualification. The advanced mortgage calculator also compares USDA, FHA, Conforming, and VA loan options side by side, assisting you in selecting the most suitable program for your financial needs within .

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2025 Loan Limits and Down Payment Information for Las-Vegas, San Miguel County, NM

Type of Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Solutions in Las-Vegas, NM

At Lendersa®, our aim is to swiftly and conveniently match you with the ideal USDA or FHA loan. Kickstart your journey with one of these three methods to align with lenders and explore USDA loan programs:

Lendersa USDA loan request results

Understanding USDA Loans in NM

A USDA home loan, endorsed by the U.S. Department of Agriculture, also known as the USDA Rural Development Loan or USDA Mortgage, is specifically for rural regions. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

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



  • First Commerce Credit Union
  • 1741 Old St. Augustine Road, Tallahassee, FL, 32301
  • "First Commerce is committed to the well being of our community and all of us living in it. We're committed to making a difference with every person we meet and proudly support organizations that show that same level of passion and commitment. Initially, it may be difficult to see the difference in the types of services"
  • Tallahassee Lender's Consortium
  • 224 Office Plaza Drive, Tallahassee, FL, 32301
  • The Consortium provides information and education regarding credit counseling and the process of purchasing a home to low income and very low income families. In addition, the Consortium administers the City of Tallahassee's Down Payment Assistance Programs and assists local lenders.
  • Peoples Choice Home Loans, LLC
  • 2024 E Pinetree Blvd, Suite C, Thomasville, GA, 31792
  • Peoples Choice helps borrowers with obtaining mortgage financing that best suits their financial needs and goals. We offer over 150 loan programs from lenders across America. Chances are we can help you find a loan that best fits your financial needs with low costs and competitive interest rates.
  • Hometown Mortgage Corporation
  • 275 W Rio Vista Ave, Suite 4, Burlington, WA, 98233
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Private Lending Investments, Inc.
  • 120 E George Hopper Rd, Suite 200, Burlington, WA, 98233
  • "Private Lending Investments, Inc. is committed to providing the highest level efficient service to both the investor and buyer of our private loans. We take great pride in our level of communication with each client throughout every step of the loan. We specialize in the ability to structure each of the private loans"
  • SYNERGY MORTGAGE GROUP, LLC
  • 2567 Capital Medical Blvd,, Tallahassee, FL, 32308
  • Synergy Mortgage Group is a Florida-based company dedicated to educating first timers about the ins and outs of the home buying experience. Our ultimate goal is to assist consumers with qualifying for a mortgage and negotiating low interest rates to ensure long-term success.Our experienced practitioners have helped open doors for the customers.
  • American Financial Network, Inc.
  • 2450 Tim Gamble Place, 2nd Floor, Tallahassee, FL, 32308
  • AFS MORTGAGE, INC. - Tallahassee, FL strives to ensure that its services are accessible to people with disabilities. AFS MORTGAGE, INC. - Tallahassee, FL has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,
  • Great Lakes Federal Credit Union
  • 415 Washington Avenue, Bay City, MI, 48708
  • Great Lakes Federal Credit Union and its members have enjoyed rich longevity in the Great Lakes Bay Region. Our story began in 1936, with the introduction of Wolverine Knitting Mills Federal Credit Union and includes mergers with the former Industrial Brownhoist Employees Federal Credit Union, Bay Medical Credit Union, and Birch Run Area Credit Uni