USDA Vs. FHA your options comparison in Tularosa, Otero County, NM
In 2025, the USDA loan limit in Tularosa, located in Otero county, NM, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
With the Lendersa® USDA loan calculator, you can compare USDA and FHA rates today and find out the necessary income, credit, reserves, and documents required to qualify. Our sophisticated mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you determine the best program for your specific financial needs in .
2025 Loan Limits and Down Payment Requirements in Tularosa, Otero, NM
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Tularosa, NM
The goal of Lendersa® is to quickly and easily secure the best USDA or FHA loan for you. Begin with one of three initial steps that connect you to matching lenders and USDA loan programs.
The USDA home loan, backed by the government through the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans have no down payment requirement.
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