For 2026, the FHA loan limits in the county of Los Alamos, Los-Alamos, NM, are as follows: for a single-family home, it is $495,650, for 2-units, it's $634,500, for 3-units, it's $767,000, and for 4-units, the limit is $953,200.
Regarding conventional loans, the maximum amount for a single-family home is $548,250. For 2-units, it's $702,000, for 3-units, the cap is $848,500, and for 4-units, it reaches $1,054,500.
Utilize our FHA calculator to find the best rates available today and determine downpayment, income requirements, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator is designed to compare FHA rates and terms with those of other loan programs. Check out different options, including Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans alongside FHA.
Lendersa® retrieves loan program information from many lenders, quickly comparing it with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Los-Alamos, within Los Alamos, NM, contrasts FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. To compare qualification criteria, such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $495,650 | $634,500 | $767,000 | $953,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $396,500 | $396,500 | $396,500 | $396,500 |
| 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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