For 2025, the FHA loan limits in Las-Cruces within Dona Ana county of NM are $356,362 for a single-family dwelling. For 2-unit properties, the limit is $456,275, for 3-units it goes to $551,500, and for 4-units, it reaches $685,400.
When considering conventional loans, the maximum for a single-family home is $548,250. The cap for 2-unit residences is $702,000, for 3-units it's $848,500, and for 4-units the limit is $1,054,500.
Use our FHA calculator to discover today's FHA rates and determine necessary details like downpayment, income, credit requirements, reserves, and documentation for qualification.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans with all other loan programs. Examine options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® retrieves expansive loan data from thousands of lenders and swiftly compares it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Las-Cruces under Dona Ana county, NM, facilitates comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money loan amounts. For comparison of qualification criteria such as income, reserves, and credit, utilize 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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