For the year 2026, in Portales, NM, the FHA loan limits are set at $472,030 for a single-family dwelling, $604,400 for duplexes, $730,525 for three-unit buildings, and $907,900 for four-unit properties.
Conventional loan ceilings for single-family homes reach $726,200, with two-unit homes at $929,850, three-unit residences at $1,123,900, and four-unit homes up to $1,396,800.
Get the best current FHA rates with our calculator to evaluate down payments, income thresholds, credit needs, reserves, and necessary documentation for qualification.
The Lendersa® calculator helps you weigh FHA rate and terms against various other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
With information sourced from a vast array of lenders, Lendersa® quickly aligns loan program data to fit your specific financial profile.
Use the Loan Limits Comparison Table for 2026 in Portales, Roosevelt, NM to juxtapose FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To assess qualification parameters like income, reserves, and credit, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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