USDA VS FHA 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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