USDA Vs. FHA Pro and Con comparison in North-Valley, Bernalillo County, NM
In the year 2025, the USDA loan boundary for North-Valley within Bernalillo county, NM, is $285,000, whereas the FHA cap is set at $356,362 for single-family homes.
To evaluate the most favorable USDA vs. FHA rates today, utilize the Lendersa® USDA loan calculator. It helps determine the necessary income, credit score, reserves, and documents for eligibility. Our sophisticated mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans to assist you in choosing the optimal program specific to your financial conditions in .
2025 Loan Limits and Down Payment Requirements in North-Valley, 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 Available in North-Valley, NM
The aim of Lendersa® is to swiftly provide you with the best possible USDA or FHA loans without unnecessary complications. Choose from three starting methods that connect you with matching lenders and USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is solely available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans do not require any down payment at all.
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At Vonk Lending, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
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