USDA and FHA Pro and Con in Santa-Teresa, Do?a Ana County, NM

In 2025, USDA loan limit in Santa-Teresa, county of Do?a Ana, NM is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Santa-Teresa, county of Do?a Ana, 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 options in Santa-Teresa, NM

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Mexico?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Brazington Mortgage LLC
  • 3114 E. Marietta, Spokane, WA, 99207
  • When you contact Brazington Mortgage, LLC you get to deal with the owner directly. Stan Brazington will act as your loan officer, loan processor. underwriter and funder. Stan has in excess of 39 years experience underwriting and funding private money loans. Brazington Mortgage LLC specializes in Private Money, great service, low closing costs.
  • The Lemont National Bank
  • 1201 State Street, Lemont, IL, 60439
  • Lemont National Bank is Lemont’s oldest locally owned and operated community bank. Since our founding in 1901, we have remained devoted to our mission of exhibiting integrity and professionalism, and providing the highest quality financial services to our community’s consumers and businesses.
  • Town Center Bank
  • 20181 S Lagrange Road, Frankfort, IL, 60423
  • Town Center Bank is looking for a customer service specialist. We are looking for friendly, enthusiastic, self-driven individuals to join our team! Responsibilities for these individuals include processing customer requests and transactions, cash handling, account opening and closing, and providing accurate and friendly customer service
  • American Fidelity Mortgage Services, Inc
  • 1776 S Naperville Road, Bldg B, Suite101B, Wheaton, IL, 60189
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • The Cecilian Bank
  • 104 East Main Street, Cecilia, KY, 42724
  • The Cecilian Bank's rich history is proof of our reliability, dedication and trustworthiness. Our loyalty to our customers and community has elevated The Cecilian Bank from one small building in Cecilian, Kentucky, to where we stand today as one of the most respected financial institutions in the region
  • Bedford Federal Savings Bank
  • 1030 15th St, Bedford, IN, 47421
  • Bedford Federal Savings Bank has provided Bedford and Greater Lawrence County with leading-edge deposit and lending opportunities. Additionally, the Bank has been a force for good in the community and its youth through philanthropy and service. Now in its tenth decade, the Bank maintains its commitment to serving the communities of Lawrence County.
  • Hoosier Hills Credit Union
  • 630 Lincoln Ave, Bedford, IN, 47421
  • We’re a Credit Union, not a bank. We charge fewer fees than banks, in addition to having competitive rates. We operate in 40 southern Indiana and northern Kentucky membership counties. You can be a member, too! Hoosier Hills Credit Union is your community cooperative financial institution, serving Southern Indiana
  • Red Lake Co-op Federal Credit Union
  • 111 2nd Street SW, Red Lake Falls, MN, 56750
  • Red Lake Co Op Federal Credit Union has been open since 1949. The credit union has assets totaling $8.4 Million and provides banking services to more than 1, 000 members. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.