USDA Vs. FHA Pro and Con comparison in Portales, Roosevelt County, NM

In 2025, USDA loan limit in Portales, county of Roosevelt, NM is $336,500 while FHA limit is $472,030 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 Portales, county of Roosevelt, NM

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Portales, 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?



  • Carolina Equity Services Inc
  • 1111 Pemberton Hill Road, Suite 101, Apex, NC, 27502
  • We have a team of mortgage experts who are ready to help you navigate this important financial commitment. We have closed over 28, 000 mortgage loans for North Carolina homeowners and Lowest rates & closing costs in the Triangle and throughout NC. Jodie Disbro Mortgage Broker with a demonstrated history of working in the real estate industry.
  • GoPrime
  • 320 N. Salem, Suite 300, Apex, NC, 27502
  • GoPrime Mortgage, Inc. is an award-winning, veteran-owned and operated mortgage company with a simple goal: to provide our clients with a path to homeownership and make a positive impact in our community. We make sure the path to homeownership is guided by someone who knows the way
  • Latino Community Credit Union
  • 100 W Morgan Street, Durham, NC, 27701
  • Latino Community Credit Union (LCCU) is a community-based and member-owned nonprofit financial institution that provides protection of financial assets, access to loans, financial independence and financial education. We are proud to serve a diverse membership from the U.S. and 110 other countries around the world
  • Pinnacle Funding
  • 905 W. Main St, Suite 24, Durham, NC, 27701
  • At Pinnacle Funding, 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 and your family from the many mortgage options.
  • Fulton Financial Consultants, Inc.
  • 3790 Shorewood Avenue, Greenbank, WA, 98253
  • Fulton Financial Consultants, Inc. formally incorporated under the laws of Washington State on April 21, 1980 with the name Fulton Insurance Consultants, Inc. Then in 1995 changed its name to Fulton Financial Consultants, Inc. which was done for multiple reasons including the preparation of expanding licensing to become a Mortgage Broker.
  • Enterprise Lending Group Inc
  • 24600 S Tamiami Trail #212, Bonita Springs, FL, 34134
  • "Enterprise Lending Group, Inc.’s sole responsibility is to you, the borrower. We are not affiliated with any one bank. Instead we have the ability to select from a portfolio of lenders. The result is a loan tailored to meet your company’s needs rather than meeting the requirements of a single lender."
  • KGC Federal Credit Union
  • 778 Beatty Avenue, Knox, PA, 16232
  • KGC Federal Credit Union is a member-owned, non-profit financial institution dedicated exclusively to serving the needs of our members. Because we are a non-profit organization, we strive to provide higher yields on savings and lower rates on loans. Decisions are made by our Board of Directors, elected by our membership.
  • Derry Area Federal Credit Union
  • 160 East First Avenue, Derry, PA, 15627
  • The Derry Area Federal Credit Union was originally founded in 1949 to provide members with a systematic way to save and offer credit to members at reasonable rates. At that time our membership consisted of the employees of Derry Westinghouse and members of their immediate family.
  • WEPCO Federal Credit Union
  • 204 North Branch Avenue, Bloomington, MD, 21523
  • WEPCO FCU will maintain the financial stability necessary to provide you with safe, convenient, & cost-effective products. We will provide the exemplary service necessary to earn the privilege of being your financial institution of choice. We will seize opportunities to grow the credit union in a prudent manner for the benefit of all we serve.
  • Frontier Community Bank
  • 400 Lew Dewitt Blvd, Waynesboro, VA, 22980
  • Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services.
  • Monticello Reverse Mortgage
  • 29 Stoneridge Drive, Suite 207, Waynesboro, VA, 22980
  • Monticello Reverse Mortgage is a local Virginia company. We specialize only in Reverse Mortgages so you can be assured of our expertise and knowledge. Because we are based here in Central Virginia, we work with you personally from start to finish of the entire Reverse Mortgage process.