For 2026, the FHA loan limits in Los-Ranchos-de-Albuquerque county, Bernalillo, NM, are set at $356,362 for a single-family residence, $456,275 for two units, $551,500 for three-unit buildings, and $685,400 for four-unit homes.
The conventional loan maximums reach $548,250 for single-family houses, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to uncover today’s top FHA rates, estimate the down payment, assess income levels, and review credit, reserves, and necessary documents for qualifying.
The Lendersa® calculator enables you to contrast FHA rates and terms against other loan programs. Delve into and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA products.
Lendersa® gathers vast program data from numerous lenders and promptly compares it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Los-Ranchos-de-Albuquerque county, Bernalillo, NM, permits comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate requirements like income, reserves, and credit, use the 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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