USDA VS FHA in North-Valley, Bernalillo County, NM

In 2025, USDA loan limit in North-Valley, county of Bernalillo, NM is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in North-Valley, county of Bernalillo, NM

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

USDA and FHA loan options in North-Valley, NM

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Mexico?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Avelloe Mortgage Corporation
  • 415 State Street, Suite 190, Lake Oswego, OR, 97034
  • Avelloe was founded by David Feathers, a mortgage professional since 1988, on the principals of effective communication, education, and a “do the right thing no matter the cost” attitude. As a truly independent Mortgage Broker, Avelloe has access to multiple funding sources, not just one underwriting platform.
  • Newland Mortgage
  • 4000 Kruse Way Pl, Bldg 3, Suite 120, Lake Oswego, OR, 97034
  • Newland Mortgage was founded on principles of education, information and transparency. As a full service Independent Mortgage Broker we have the ability to shop the best wholesale lenders in the country to find the most competitive rates and options. Our goal is to be the premier mortgage broker in the Portland market.
  • Greater Oregon Mortgage Company
  • 6840 Sw Fernbrook Ct, Wilsonville, OR, 97070
  • Greater Oregon Mortgage Company offers a wide range of residential mortgage loan products to meet your financial needs and circumstances. Whether you’re a first-time buyer or seasoned investment property owner, I’m here to guide you through the process. Feel free to contact me so we can discuss what loan programs are best for your situation.
  • Kahren Oxner at UMortgage
  • 25195 SW Parkway Ave, Suite 204, Wilsonville, OR, 97070
  • Kahren Oxner Helping her clients realize their dreams of homeownership, has been my passion for over 21 years. Kahren will be forever grateful to the amazing mentors and leadership opportunities I’ve had along the way, and am humbled as a Senior Loan Officer at UMortgage, to be able to do the same for our team in return.
  • Borrow Smart Mortgage Inc
  • 9450 South West Commerce Circle, Suite 401, Wilsonville, OR, 97070
  • Tom Griffith and team have a combined experience of 50 years in the mortgage industry and felt there was a better way to facilitate a clients needs without eliminating inefficacies in the communication process. Borrow Smart Mortgage takes this into account by leveraging strategies to make the home buying process quick and affordable.
  • Main Street Mortgage Inc
  • 1 Tiffany Pointe, Suite 204, Bloomingdale, IL, 60108
  • Main Street Mortgage, Inc. is an Illinois Mortgage Broker. This allows us to work with many different banks to ensure you the best rate and loan program for your needs. With over30 years of mortgage experience, Main Street Mortgage, Inc. specializes in conforming, FHA & VA loans.
  • AVA Mortgage Corp
  • 129 Fairfield Way, Suite 100, Bloomingdale, IL, 60108
  • AVA Mortgage Corp. Whether you are buying a home, refinancing, or taking out another type of loan, our staff is available at your ease and comfort, and are here to guide you through the process. Do not worry about filing a bunch of paperwork, our loan officers will walk you through the entire process.
  • QUICK MORTGAGE CORP.
  • 125 E Lake St, Unit 202, Bloomingdale, IL, 60108
  • Quick Mortgage Corp. Whether you want to buy a house, refinancing, or taking out another type of home loan, our loan officers are available at your ease and comfort, and are here to guide you through the process. Do not worry about filing a bunch of paperwork, our loan processors will walk you through the entire process.