In 2026, the FHA loan limit in Los-Lunas county belonging to Valencia, NM stands at $356,362 for a single-family home. For properties with 2 units, the limit is $456,275; for 3 units, it's set at $551,500; and for 4 units, it is $685,400.
The conventional loan limits reach a maximum of $548,250 for a single-family residence. For 2-unit homes, the limit is $702,000, while 3-units have a cap of $848,500, and 4-units are set at $1,054,500.
Our FHA calculator can provide the best currently available rates and assist in determining necessary elements like downpayment, income, credit qualifications, reserves, and the documents needed to qualify.
Lendersa® offers a calculator that facilitates comparisons of FHA rates and terms against all other loan programs. Dive into evaluating Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates comprehensive loan data from a vast array of lenders, instantly matching it to your specific financial profile and needs.
For 2026, the Loan Limits Comparison Table in Los-Lunas county part of Valencia, NM, provides an analysis of the limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate 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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