For 2025, the USDA loan limit in Rio-Communities, under the jurisdiction of Valencia county, NM, is fixed at $285,000. On the other hand, the FHA limit for a single-family home is set at $356,362. These loan limits define the upper boundary for financing offered under these programs, considering regional economic conditions and housing demands.
Utilize the Lendersa® USDA loan calculator today to effectively compare USDA and FHA prime rates. This will also help you assess the income, required credit, reserves, and documents needed for qualification. Featuring a streamlined interface, our advanced mortgage calculator lets you see side-by-side comparisons of USDA, FHA, Conforming, and VA programs. This helps you decide which option in
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| Loan Type | Maximum Loan Limit | Required Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to connect you with the most suitable USDA or FHA loan without hassle. Pick one of three starting routes to match with lenders and examine various USDA loan plans. This streamlines your loan search process, bringing clarity and simplicity to financial transactions.
USDA home loans, guaranteed by the Department of Agriculture, also known as USDA rural development loans or mortgages, are exclusively provided in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not demand any down payment, offering an accessible solution for homeownership in rural communities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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