As of 2026, the USDA loan ceiling in Raton, located within the county of Colfax, NM, stands at $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
To contrast today’s top USDA and FHA rates, utilize the Lendersa® USDA loan calculator. It assists you in evaluating the necessary income, credit, reserves, and documents to meet qualification criteria. Our modern mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most suitable program for your financial circumstances in
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| Type of Loan | Maximum Loan Amount | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly obtain the ideal USDA or FHA loan for you, eliminating difficulties. Choose from three initial paths to connect with lenders and access USDA loan programs.
A USDA home loan is guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or mortgage. This option is limited to eligible rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not necessitate any initial payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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