USDA and FHA Pro and Con in Lee-Acres, San Juan County, NM
In 2025, the USDA loan limit in Lee-Acres, situated in the county of San Juan, NM, stands at $285,000. For a single-family dwelling, the FHA loan cap is $356,362. These limits indicate the maximum amount that can be borrowed under these loan programs in these areas, reflecting the housing costs and other economic factors in the region.
Utilize the Lendersa® USDA loan calculator to effectively juxtapose today’s most competitive USDA versus FHA rates. With this tool, you can determine the necessary income, required credit, reserve availability, and essential documents needed to qualify for these loans. Our advanced mortgage calculator presents a clear, side-by-side view of USDA, FHA, Conforming, and VA loans. Such a comparative approach assists you in choosing the most suitable program in for your specific financial scenario. Whether you are focused on the advantages of low down payments or considering long-term cost savings, our tool aids in making an informed decision.
Overview of 2025 Loan Limits and Down Payment Requirements in Lee-Acres, County of San Juan, NM
Loan Type
Maximum Loan Amount
Down Payment Percentage
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Choices in Lee-Acres, NM
The mission of Lendersa® is to efficiently guide you to obtain the most favorable USDA or FHA loan, ensuring speed and convenience. We provide three alternative starting approaches designed to connect you directly with matching lenders and to guide you through the various USDA loan offerings available.
A USDA home loan is a specialty mortgage with backing from the United States Department of Agriculture. These loans, often referred to as USDA rural development loans or USDA mortgages, are intended for purchasing properties in designated rural areas, making them potentially more affordable for industries reliant on rural housing markets. Unlike FHA loans, which require at least a 3.5% down payment to start, USDA mortgage loans do away with the need for any down payment, thereby providing a more accessible entry into homeownership for qualified applicants.
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