As of 2026, FHA loan limits in Peralta county, Valencia, NM are set at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three units, and $907,900 for four-unit buildings.
For conventional loans, the maximum amounts available on a single-family residence reach $726,200, with two units capped at $929,850, three units at $1,123,900, and four-unit homes at a maximum of $1,396,800.
Use our FHA calculator to identify today’s favorable FHA rates and calculate the required down payment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator empowers you to compare FHA rates and terms with a variety of other loan programs. Consider and assess Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles data from thousands of lenders, providing rapid comparisons tailored to your individual financial situation and needs.
For 2026, the Loan Limits Comparison Table in Peralta county, Valencia, NM offers an evaluation of maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine requirements like income, reserves, and credit needs.
| 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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