For 2025, the FHA loan limits in Espanola county, within Rio Arriba, NM, are as follows: $356,362 for a single-family home, $456,275 for a property with 2 units, $551,500 for 3-unit buildings, and $685,400 for those with 4 units.
The maximum available loan amount for conventional loans on a single-family residence is $548,250. For homes with 2-units, the limit is $702,000; for 3-units it's $848,500, and for 4-units, it's $1,054,500.
Utilize our FHA calculator to discover today's optimal FHA rates and clarify what downpayment, income, credit criteria, reserves, and documentation are necessary to qualify.
The Lendersa® calculator empowers you to compare the rates and terms of FHA loans with those of other available loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® amasses loan program data from numerous lenders and quickly compares it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Espanola county of Rio Arriba, NM covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification 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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