In the year 2025, the USDA loan limit in Los-Ranchos-de-Albuquerque, within the county of Bernalillo, NM, stands at $285,000, whereas the FHA limit is $356,362 for a single-family home.
Utilize Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. This tool helps determine the required income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side analysis of USDA, FHA, Conforming, and VA loans. This comparison is crucial in deciding which program in
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| Type of Loan | Loan Limit | Required Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to connect you with the best USDA or FHA loan without delay or difficulties. Choose one of three starting points that lead to matched lenders and USDA loan opportunities.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture, offered exclusively in rural areas. While FHA loans require at least a 3.5% down payment, the USDA mortgage does not require any down payment, making it an attractive option for eligible buyers in rural communities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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