As of 2025, the FHA loan limit in Eldorado-at-Santa-Fe county, Santa Fe, NM is $414,000 for a single-family home. For two units, it is $530,000; three-unit properties are at $640,650; and for four units, the cap is $796,150.
The maximum loan amount for conventional loans is $548,250 for a single-family house. For two-unit homes, it reaches $702,000; for three units, $848,500; and $1,054,500 for four units.
Utilize our FHA calculator to determine today’s best rates and the needed down payment, income, credit requirements, reserves, and documents necessary to qualify.
The Lendersa® calculator lets you assess FHA rates and terms against various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in comparison to FHA.
Lendersa® aggregates extensive loan program data from thousands of lenders, delivering fast comparisons linked to your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Eldorado-at-Santa-Fe county, Santa Fe, NM facilitates comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification needs, such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $414,000 | $530,000 | $640,650 | $796,150 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $331,200 | $331,200 | $331,200 | $331,200 |
| 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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