USDA Vs. FHA your options comparison in Santa-Fe, Santa Fe County, NM
In 2026, the loan limit for USDA in Santa-Fe, county of Santa Fe, NM is $331,200, whereas the limit for FHA is $414,000 for a single-family home.
Make use of the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates, determining the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side to help you choose the best program in for your individual financial circumstances.
2026 Loan Limits and Downpayment Requirements in Santa-Fe, County of Santa Fe, NM
Loan Type
Loan Limit
Down payment
USDA
$331,200
0%
FHA
$414,000
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Santa-Fe, NM
The aim of Lendersa® is to efficiently provide you with the best USDA or FHA loan with minimal hassle. Choose one of the three entry points that will result in finding lenders that match the USDA loan programs.
A USDA home loan is a mortgage backed by the Department of Agriculture, commonly known as a USDA rural development loan. Available primarily in rural neighborhoods, it contrasts with FHA loans, which require at least a 3.5% down payment, by requiring none.
US Eagle Federal Credit Union serves our members by providing financial products and services to help them attain personal financial success. Founded in 1935, U.S. Eagle is the State's oldest credit union. With nine branch offices (six in Albuquerque, one in Bernalillo, one in Santa Fe, and one in Farmington).
Northern New Mexico School Employees Federal Credit Union
614 Alta Vista St, Santa Fe, NM, 87505
Lends in New Mexico
Northern New Mexico School Employees Federal Credit Union is a unique kind of financial institution. It is an organization of people, not dollars, where you, the member, comes first. The credit union is a member owned, not-for-profit, full-service financial institution, guided by a volunteer Board of Directors.
At Loan Fox Inc, we are dedicated to providing clients with the knowledge needed to make the right decision when financing their home. Although we are located in Santa Fe, we specialize in mortgage loans in Albuquerque, Las Cruces, and throughout the entire state of New Mexico. Whether you are a first-time homebuyer, looking to buy a second home,
Santa Fe Mortgage focuses on giving our customers personalized service while also providing rates that are comparable to or better than those offered by the big banks. Owner Lance Armer has dedicated himself to the mortgage industry – and could not imagine doing anything else. His story reflects the story of Santa Fe Mortgage.
Our mission is to find you the best mortgage product to fit your needs, secure it at the best rate possible, and guide you through the loan process with personalized service.
Our expertise-with more than 45 collective years of professional experience-allows us to provide you with personalized
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Del Norte Credit Union (DNCU) is a member-owned, not-for-profit financial institution which embraces the culture and community traditions of New Mexico. Our mission is improving lives by providing our customers with unparalleled, sound, and unbiased financial advice. Not only is DNCU an active advocate of financial literacy
If the idea of mortgages intimidates you, you've come to the right place. Mortgages don't have to be a maze of financial garble. Anasazi Mortgage can make your experience an AMAZING one. Buying the home of your dreams, or if you're refinancing, is a process, but Ginger Sullivan of Anasazi Mortgage will work with you step-by-step.
Father Edward J. McCarthy established Guadalupe Credit Union in 1948, for the purpose of serving the parishioners of Our Lady of Guadalupe Church in Santa Fe. In the 1970's, GCU merged with St. Anne's Credit Union as well as with Health and Environment and Human Services Credit Union, and in 1985, Guadalupe Credit Union merged.
