In 2026, the FHA loan limit for Albuquerque county in Bernalillo, NM, is $472,030 for a single-family house. The limit for 2-units is $604,400, for 3-units it's $730,525, and it rises to $907,900 for 4-units.
For conventional loans, the single-family residence maximum is $726,200. For 2-unit homes, the limit is $929,850, for 3-unit residences it's $1,123,900, and for 4-units, the cap is $1,396,800.
Our FHA calculator helps you find today's best FHA rates and determine the necessary down payment, income, credit, reserves, and documents for eligibility.
The Lendersa® calculator lets you compare FHA rates and terms with all other loan programs' rates and terms. Discover how Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans stack up against FHA.
Lendersa® compiles loan data from thousands of lenders and swiftly aligns it with your unique financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Albuquerque in Bernalillo county, NM, covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) to compare criteria like income, credit, and reserves.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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