In the year 2025, the USDA loan threshold in White-Rock, located in Los Alamos county, NM, is $396,500. In comparison, the FHA limit for a single-family home amounts to $495,650.
Use Lendersa®'s USDA loan calculator to effectively compare the current best rates for USDA and FHA. This tool outlines the income, credit, reserves, and documentation necessary to qualify. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, ensuring you select the optimal program tailored to your financial needs in
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| Type of Loan | Ceiling Amount | Initial Payment | |
| USDA | $396,500 | 0% | |
| FHA | $495,650 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® focuses on securing you the most advantageous USDA or FHA loan efficiently and smoothly. Choose from three unique starting points to connect with matching lenders and unlock various USDA loan opportunities.
A USDA home loan is backed by the government Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage. These loans are exclusively accessible in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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