FHA VS Conventional loan programs in 2025 for Los-Lunas, Valencia County, New Mexico
In 2025, the limit for Conventional loans in Los-Lunas, within the county of Valencia, NM, is set at $647,200, whereas the FHA loan limit for a single-family residence amounts to $420,680. Understanding these limits is essential for individuals exploring financing opportunities for buying their homes, as they define the available borrowing range for potential homeowners.
Leverage the Lendersa® Conventional loan calculator to examine and contrast today's prime rates across Conventional, FHA, and USDA loans. This allows you to determine required income, credit criteria, reserves, and documents crucial for qualification. Featuring our advanced mortgage calculator, you can seamlessly compare Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting you in choosing which program in NM best aligns with your unique financial scenario.
Loan Limits and Down Payment Requirements for 2025 in Los-Lunas, Valencia, NM
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
No downpayment required
FHA
$420,680
3.5%
This data applies specifically to the following zip codes: 87031
Exploration of Conventional and FHA Loan Opportunities in Los-Lunas, NM
The mission of Lendersa® is to provide the most beneficial Conventional, USDA, or FHA loan solutions expediently and seamlessly, without unnecessary complications. Begin your journey by choosing one of three avenues designed to connect you with suited lenders and loan programs matching your individual requirements.
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