USDA and FHA Pro and Con in Sandia-Heights, Bernalillo County, NM

In 2025, the USDA loan limit in Sandia-Heights, within Bernalillo county, NM, is set at $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to contrast USDA vs. FHA rates and identify the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator compares USDA, FHA, Conforming, and VA options simultaneously, assisting you in determining the best program for your personal financial situation in .

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2025 loan limits and down payment details in Sandia-Heights, 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 choices in Sandia-Heights, NM

The objective of Lendersa® is to facilitate swift and seamless access to optimal USDA or FHA loans. Start by selecting one of the three pathways leading to matched lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NM

A USDA home loan, guaranteed by the government via the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, a USDA loan requires no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 14114 Dallas Parkway, Suite 560, Dallas, TX, 75254
  • Simplifi seeks to empower mortgage customers to make a difference in the world. For every loan we provide to customers, Simplifi will fund a year of education for a girl in a developing country. We will cover the cost of sending a student to school for a year, including tuition, uniforms and supplies. We believe that education has the power
  • The Tuttle Group
  • 14900 Landmark Blvd, Suite 600, Dallas, TX, 75254
  • "The Tuttle Group is a branch of Mid America Mortgage, Inc in Dallas, Texas. With over 19 years of experience in the financial, Branch Manager Andy Tuttle offers ‘No Non-sense Financial & Real Estate Solutions’ so his listeners, family and friends can live healthy financial lives and enjoy themselves along the way."
  • Reliance Mortgage Company
  • 5220 Spring Valley Road, Suite 602, Dallas, TX, 75254
  • Reliance Mortgage Company has been in business since 1989 and has funded over $8 billion dollars in residential mortgage loans. We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
  • Sublime Financial, LLC
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  • Sublime Financial provides home mortgages in Dallas and the entire state of Texas. We offer our customers many loan products and options, often times more than most larger mortgage brokers. If you're looking for the best home loan in Texas you can find, then contact us. Sublime Financial helps our customers refinance their current mortgage
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  • Texas Mortgage Mart
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  • Texas Mortgage Financing I work with various lenders and will find a loan that best fits your needs & budget, gathering appropriate documentation throughout the process and provide full support to ensure a smoother loan closing process you can gain a better understanding of what’s available to you
  • MTP Mortgage
  • 10185 Custer Rd, Suite 300, Plano, TX, 75025
  • MTP Mortgage is a Texas Mortgage Broker based in Plano, Texas and serves clients purchasing or refinancing a home or commercial property located anywhere in Texas. We offer every loan program available and find the very best loan program for our clients’ unique situation and at very competitive interest rates and low fees.
  • Town & Country Bank.
  • 423 Grand Ave, Ravenna, NE, 68869
  • We have been serving the central Nebraska region since 1905. Initially chartered as The State Bank of Poole, the Bank moved its main headquarters to Ravenna, Nebraska in 1932. We currently have offices in the communities of Ravenna, Pleasanton, Kearney and Litchfield. Town & Country Bank is locally owned and managed.
  • Homecorp Mortgage
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  • United Texas Bank
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  • United Texas Bank, originally formed by Board Chairman Jeffrey Beck in 1986, is a locally owned, full-service, FDIC-insured boutique commercial bank, based in Dallas, Texas. We specialize in delivering customized business and personal banking services to our clients and their companies both locally and throughout the nation.
  • Swift Mortgage
  • 13150 Coit Road, Suite 303, Dallas, TX, 75240
  • Swift Mortgage, LLC is to create a positively significant and deeply sincere impression on all we serve. Our high caliber mortgage professionals are dedicated to opening doors to home financing while providing a boutique-style mortgage experience with exceptional service to every homebuyer.