USDA Vs. FHA Pro and Con comparison in Los-Lunas, Valencia County, NM
For the year 2025, in Los-Lunas located in the county of Valencia, NM, the USDA loan limit is set to $285,000, while the FHA limit is $356,362 for single-family homes.
Make use of the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates, and figure out the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side. This comparison helps you determine which program in best suits your financial needs.
2025 Loan Ceilings and Down Payment Requirements in Los-Lunas, Valencia, NM
Loan Kind
Loan Ceiling
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Opportunities in Los-Lunas, NM
The aim of Lendersa® is to swiftly secure the most suitable USDA or FHA loan for you without undue hassle. Initiate one of three routes which lead you to suitable lenders and USDA loan programs.
The USDA home loan, secured by the U.S. Department of Agriculture, also referred to as the USDA rural development loan, is available exclusively in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans demand no down payment.
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