As of 2026, in the county of Bernalillo located in South-Valley, NM, the USDA loan cap is set at $285,000, while for a single-family residence, the FHA cap is $356,362.
Explore the Lendersa® USDA loan calculator to contrast current USDA and FHA optimal rates. By assessing income, credit, reserve criteria, and necessary documentation, determine eligibility. Our sophisticated mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the most fitting program for your financial situation in
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| Loan Type | Loan Limit | Down payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to secure the finest USDA or FHA loan for you speedily and effortlessly. Begin with any of the three initial steps to discover lenders matched with USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture and is geared towards rural community borrowers, hence the name USDA rural development loan or USDA mortgage. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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