In 2025, the FHA loan limits in Deming county of Luna, NM, are set at $472,030 for single-family homes, $604,400 for properties with 2 units, $730,525 for 3-units, and $907,900 for 4-units.
For conventional loans, the highest loan amounts allowed are $726,200 for single-family residences, $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Utilize our FHA calculator to examine today’s FHA best rates and uncover the necessary downpayment, income level, credit requirements, reserves, and documentation needed to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with all other available loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources loan program information from thousands of lenders and compares it rapidly with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2025 in Deming, found in Luna, NM, enables a comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. To assess qualification criteria such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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