New Mexico USDA Rural Development No Money Down USDA Loan Program

For New Mexico homebuyers the no money down USDA Loan program offers affordable mortgage financing for moderate income households purchasing a house in a designated USDA Rural area as determined by the Rural Housing Service (RHS). Income and property location guidelines for the USDA Loan program require that the:
Household must have a moderate income not to exceed USDA Program county limits based on a household size of one to four or five and more family members.
The house must be located in a designated RHS USDA Rural approved area. Homebuyers should not assume that the term "rural" means the USDA Home Loan program is only available in farming communities. Many areas approved by the RHS for the USDA Loan program are residential areas, near major cities, with a complete absence of any local farms.
New Mexico USDA Loan County Guideline Lookup Tool
Select County Maximum Income
Family 1-4:
Family 5+:
County Eligibility:
Make too much to qualify for the New Mexico USDA Loan? You still may qualify for the California USDA Loan Program based on certain deductions allowed by USDA Rural Development using the
New Mexico USDA Max Income Calculator

By purchasing a home located in a USDA Rural area, USDA Loans allow qualified homebuyers the ability to buy a house with:

No Money Down - 100% USDA Loan Financing - Low Monthly Mortgage Insurance - Flexible Credit Approval - Secure 30 Year Fixed Rate Mortgage - Unlimited Seller Closing Cost Help Allowed.


Get Qualified For The USDA Rural Development Loan
Step 1 of 3 : Loan Information
Purpose of Loan:
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Approx Loan Amount:
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Get Qualified For The USDA Rural Development Loan
Step 2 of 3 : About You
When are you looking to purchase/refinance:
Estimate your credit:
Bankruptcy or Foreclosure:
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New Mexico USDA Rural Development County Specific Income and Location Guidelines

CountyMax Household IncomeLocation Restrictions
1 - 4 5 + People
Bernalillo$74,750$98,650Partially Eligible
Catron$74,750$98,650100% Eligible
Chaves$74,750$98,650Partially Eligible
Cibola$74,750$98,650100% Eligible
Colfax$74,750$98,650100% Eligible
Curry$74,750$98,650Partially Eligible
De Baca$74,750$98,650100% Eligible
Dona Ana$74,750$98,650Partially Eligible
Eddy$74,750$98,650Partially Eligible
Grant$74,750$98,650100% Eligible
Guadalupe$74,750$98,650100% Eligible
Harding$74,750$98,650100% Eligible
Hidalgo$74,750$98,650100% Eligible
Lea$74,750$98,650Partially Eligible
Lincoln$74,750$98,650100% Eligible
Los Alamos$93,450$123,350100% Eligible
Luna$74,750$98,650100% Eligible
Mckinley$74,750$98,650100% Eligible
Mora$74,750$98,650100% Eligible
Otero$74,750$98,650Partially Eligible
Quay$74,750$98,650100% Eligible
Rio Arriba$74,750$98,650100% Eligible
Roosevelt$74,750$98,650100% Eligible
San Juan$74,750$98,650Partially Eligible
San Miguel$74,750$98,650100% Eligible
Sandoval$74,750$98,650Partially Eligible
Santa Fe$79,000$104,300Partially Eligible
Sierra$74,750$98,650100% Eligible
Socorro$74,750$98,650100% Eligible
Taos$74,750$98,650100% Eligible
Torrance$74,750$98,650100% Eligible
Union$74,750$98,650100% Eligible
Valencia$74,750$98,650100% Eligible