In 2025, the limit for FHA loans in Gallup county, part of McKinley, NM, is $472,030 for a single-family home. For 2-unit properties, the loan limit is $604,400, while 3-units have a limit of $730,525, and 4-units reach up to $907,900.
The maximum amount for conventional loans on a single-family home stands at $726,200. For 2-units, it is $929,850; for 3-units, it reaches $1,123,900; and for 4-units, the cap is $1,396,800.
Use our FHA calculator to discover the best FHA rates available today and to determine your required down payment, income, credit, reserves, and necessary documentation needed for qualification.
The Lendersa® calculator facilitates comparisons of FHA rate and terms with all other loan options. Explore and contrast them with Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in relation to FHA.
Lendersa® gathers comprehensive loan program data from thousands of lenders and compares it within seconds against your distinct financial profile and specific needs.
Our Loan Limits Comparison Table for 2025 in Gallup county of McKinley, NM, provides a framework for comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To compare qualification requirements, such as income, reserves, and credit, use 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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