For 2026, the FHA loan limits in El-Cerro-Mission county of Valencia, NM are set at $356,362 for a single-family home. For two-unit homes, it is $456,275; for three units, it goes up to $551,500; and for four units, the limit is $685,400.
The maximum amount for conventional loans on a single-family residence is $548,250. For duplexes, the cap is $702,000; for triplexes, it is $848,500; and for four-unit properties, it reaches $1,054,500.
You can use our FHA calculator to discover today’s top FHA rates and determine the necessary down payment, income requirements, credit scores, reserves, and documents needed for qualification.
Lendersa®'s calculator makes it easy to compare FHA rates and terms with a wide range of other loan programs. Delve into and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Lendersa® aggregates extensive loan program data from a multitude of lenders and quickly compares it against your specific financial profile and needs.
For 2026 in El-Cerro-Mission county of Valencia, NM, the Loan Limits Comparison Table offers a thorough comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To explore further qualification criteria involving income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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