In 2025, the FHA loan limit in El-Cerro county, Valencia, NM is $356,362 for a single-family home. For two units, it is $456,275, for three units it's $551,500, and for four units, the limit is $685,400.
The maximum loan amount permitted for conventional loans on a single-family residence is $548,250. For two-unit properties, the cap is $702,000, for three units it is $848,500, and for four units, it reaches $1,054,500.
Our FHA calculator helps you find today’s best FHA rates, and calculate down payment, income, credit, reserves, and documents needed for qualifying.
The Lendersa® calculator helps compare FHA rates and terms with those of other loan programs. Review and compare Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Gathering extensive data from thousands of lenders, Lendersa® offers quick comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2025 in El-Cerro county, Valencia, NM compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to check requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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