USDA Vs. FHA Pro and Con comparison in Sunland-Park, Do?a Ana County, NM

In 2025, the USDA loan limit set for Sunland-Park in Do?a Ana county, NM is $285,000, whereas the FHA limit is $356,362 for a single-family home.

Leverage the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, allowing you to determine the income, credit score, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA options to help you identify the most suitable program in for your financial situation.

Discover loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Sunland-Park, Do?a Ana, NM

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Sunland-Park, NM

Lendersa® is dedicated to securing the best USDA or FHA loan quickly and with ease. Initiate your journey with one of three options that will connect you with the right lenders and USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in NM

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. FHA loans require a minimum down payment of 3.5%, whereas USDA mortgages do not require any down payment at all.

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



  • Parkside Financial Bank & Trust
  • 8112 Maryland Avenue, Suite 101, Clayton, MO, 63105
  • Our values are woven into our uncommon business model, one that offers commercial banking, trust and family office services all within one organization. We develop relationships of distinction, built upon strong, lasting bonds. Our clients know we are here for them in good times and capable and trusted in the face of challenges.
  • Stifel Bank
  • 8000 Maryland Avenue, Clayton, MO, 63105
  • The Business Bank of St. Louis was founded in 2002 and became Stifel Bank on August 31, 2018. Based in Clayton, Missouri, Stifel Bank serves growing and middle market businesses and their owners with a full range of lending, deposit, treasury and private banking services. We have the flexibility and resources to offer our customers the banking
  • First National Bank of Waterloo
  • 228 South Main Street, Waterloo, IL, 62298
  • We are a strong, local community bank, which means you can count on us! We’ve been here since 1912 as a trusted, financial partner and will be here to help you meet all of your financial goals. We focus on the financial needs of local families and small businesses by providing exceptional service, great products and sound advice.
  • Enterprise Bank & Trust
  • 150 N Meramec Ave, Clayton, MO, 63105
  • We offer Banking and financial services with offices in Arizona, Kansas, Missouri and New Mexico. Member FDIC, Equal Housing Lender Enterprise Bank & Trust was founded nearly 30 years ago on the idea of serving the lifetime financial needs of privately-held businesses their owner families and other success-minded individuals.
  • Carlson Mortgage LLC
  • 7777 Bonhomme Avenue, Suite 1800, Saint Louis, MO, 63105
  • We specialize in conventional, FHA, Veterans (VA) & Jumbo Loans. We work with 8 major banks, but don't have any allegiance to a specific one. Because of that fact we are able to routinely offer you some of the lowest rates in the country. What separates us from other local brokers is that you will never have to pay ANY broker fees
  • Gateway Mortgage
  • 7733 Forsyth Blvd, Suite 1100, Saint Louis, MO, 63105
  • Gateway Mortgage is one of the longest established Missouri mortgage brokerage firms in the St. Louis region serving clients since 1990. Our company has expanded rapidly over the years but we’ve always strictly adhered to our proven business model of excellence & honesty the foundation that has made Gateway the selection of over 10, 000 homeowners
  • Highway Crossroads Credit Union
  • 741 York Drive, Sikeston, MO, 63801
  • Highway Crossroads Credit Union was founded in August of 1953 to serve the employees, retirees, and the immediate family members of Missouri Department of Transportation (Southeast District) and Missouri State Highway Patrol (Troop E).Today, Highway Crossroads Credit Union has over 1, 600 members and assets of $14.0 million.
  • Montgomery Bank
  • 1 Montgomery Bank Plaza, Sikeston, MO, 63801
  • Montgomery Bank is a family-owned community bank, helping fiscally responsible businesses and families, with the easiest and friendliest financial solutions. Montgomery Bank's 10 branch locations provide personal and commercial banking services to the communities throughout Southeast Missouri and St. Louis.
  • First Citizens Bank of Butte
  • 3220 Harrison Avenue, Butte, MT, 59701
  • First Citizen's Bank of Butte began with the goal of serving individuals and businesses in our local community and today we're proud to continue that tradition. Our mission is to remain independent, as a locally owned and directed institution, managed by the people we serve in a way that promotes economic growth and stability within our community.
  • NorthWestern Energy Employees FCU
  • 2100 Harrison Avenue, Butte, MT, 59701
  • The Federal Credit Union is a member-owned financial organization providing accessible and competitive financial services to meet the needs of our members, while maintaining long-term stability and growth.and also We are here to serve your financial needs. Please contact us to let us know how we can better serve you. Check our great services.
  • Mile High Federal Credit Union
  • 3410 Monroe Avenue, Butte, MT, 59701
  • Mile High Federal Credit Union is a member-owned, not-for-profit financial organization operated in Butte, Montana. Mile High Credit Union has been in operation since 1936 Our goals are to continue the credit union philosophy of people helping people by encouraging savings, offering loans at competitive rates, & providing the best quality service.
  • Butte Community Federal Credit Union
  • 2901 Grand Avenue, Butte, MT, 59701
  • Butte Community Federal Credit Union offers loans, money orders, traveler's cheques, and more. Our quick and easy money services put convenience first. We have an online banking portal that helps make money management a breeze. Visit our location today to get signed up for your new account or loan.