For the year 2025, the Conventional loan limit in El-Cerro, within Valencia county, NM, stands at $647,200. In contrast, the FHA loan limit for a home with a single-family designation is $420,680.
With the Lendersa® Conventional loan calculator, you can compare the most competitive rates of today between Conventional, FHA, and USDA programs. Our sophisticated mortgage calculator provides a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA, enabling you to make an informed decision on which program in NM aligns best with your financial circumstances.
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| Type of Loan | Maximum Loan Limit | Minimum Down Payment | |
| Conventional Conforming | $647,200 | 3% | |
| USDA | $285,000 | 0% | |
| FHA | $420,680 | 3.5% |
Note: This comparison pertains to the zip codes: 87031
At Lendersa®, our objective is to ensure you secure the optimal Conventional, USDA, or FHA loan efficiently and with ease. Start with any of these three approaches to connect with suitable lenders and loan options.
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Bridge Loan Guides
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NMLS 1795154
