USDA and FHA Pro and Con in Ruidoso, Lincoln County, NM
As of 2025, in Ruidoso, within the county of Lincoln, NM, the USDA loan limit is cited as $336,500. Meanwhile, the FHA limit for a single-family dwelling stands at $472,030.
Leverage the Lendersa® USDA loan calculator to effectively compare today's USDA against FHA best rates, determining the income, credit level, reserves, and documentation necessary for application. Our detailed mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, allowing you to pinpoint the most suitable program for your specific financial situation in Alabama.
2025 Loan Limits and Down Payment Requirements in Ruidoso, Lincoln, NM
Type of Loan
Loan Cap
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Choices in Ruidoso, NM
At Lendersa®, our mission is to secure the most ideal USDA or FHA loan promptly and with ease. Initiate your path with one of three options to connect with suitable lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is available in rural locales. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA mortgages require no down payment.
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