For 2025, the USDA loan cap in Meadow-Lake, located in Valencia county, NM, is $285,000, whereas the FHA cap for a single-family home is $356,362.
The Lendersa® USDA loan calculator allows you to contrast today's USDA versus FHA top rates while identifying the needed income, credit score, reserves, and documents for qualification. By utilizing our detailed mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, guiding you to the perfect program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to obtain the ideal USDA or FHA loan for you swiftly, without complications. Choose from one of three starting options to secure the appropriate lenders and USDA loan schemes.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, often called a USDA rural development loan or mortgage, is only offered in rural communities. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA loan mandates no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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