USDA Vs. FHA your options comparison in Santa-Fe, Santa Fe County, NM
In 2025, 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.
2025 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.
Sierra Pacific is a not-for-profit, member-owned financial institution. Combine the technology of a big bank with the trust and service of a local co-op, and you'll have an idea of what to expect from this credit union. They offer sophisticated online and mobile banking with mobile deposit and bill pay options.
Home Wealth Funding is a locally owned and operated mortgage company based in Northern Nevada focused on attention to detail, hard work, leveraging the team, building trust, working smart and learning. In addition we need to have fun, enjoy life, give back and above all, provide customers low interest rates.
150 West Huffaker Lane, Suite 104, Carson City, NV, 89511
Raintree Mortgage is proud to be one of the oldest mortgage brokerages in Nevada. Since its founding in 1989, the company has closed more than half a billion dollars in loan volume. Raintree Mortgage works one-on-one with clients to create custom solutions to fit their unique financial needs.
Utter Mortgage Company is a Nevada-based mortgage company specializing in the long-term financing of commercial real estate projects located in Nevada and the adjacent areas of California. Utter Mortgage Company has placed long-term loans on shopping centers, office buildings, warehouses, mini-warehouses, medical buildings, strip centers.
Working with a mortgage broker gives you options and saves you money. We have numerous sources for investors so finding the best loan with the most affordable terms is exactly what we do! We also have access to mortgage loan products that banks and other lending institutions don't normally offer.
Whether this is a first home, investment property, an upgrade you’re looking to do, or perhaps refinance the home you already own and love, our professionals will guide you through the process and find the best loan that fits your lifestyle. We make it easy to understand and ensure that our number one priority is taking care of you!
"We know that each Nevada mortgage customer has specific needs,
so we strive to meet those needs with a wide array of mortgage products for Nevada homeowners and home buyers. The Wholesale Mortgage Services team and lenders takes pride in our outstanding customer service and individual attention.
Advantage Credit Union membership is available to anyone who lives or works in Jasper County or 18 other counties in Central Iowa. In 1937, 14 individuals signed the articles of incorporation to form a credit union then called Local 1116 UERMWA Credit Union. At Advantage Credit Union, we treat our members like they own the place because they do!
899 Tahoe Boulevard, Suite 500, Incline Village, NV, 89451
Lake Tahoe Mortgage provides residential mortgage loan origination services throughout all of Nevada and California. Our team is made up of knowledgeable and friendly loan officers with years of experience in the mortgage industry. We take the time to talk to you one-on-one, listen to your concerns
The Design Financial team is committed to providing our clients with the highest quality financial services combined with the lowest rates available. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
