As of 2026, the FHA loan limits in Raton county, Colfax, NM are structured as follows: for a single-family home, it's $472,030, for two units it's $604,400, for three-unit residences, it amounts to $730,525, and for four-unit properties, the limit is $907,900.
For conventional loans, the maximum you can borrow is $726,200 for a single-family home, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator for today's best FHA rates to calculate the down payment, income, credit requirements, reserves, and necessary documents to qualify.
With the Lendersa® calculator, you can easily compare FHA rates and terms with all other loan programs. Dive into options for Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® compiles comprehensive loan program data from thousands of lenders, providing you quick comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Raton county of Colfax, NM allows for a detailed comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. To assess qualification requirements including income, reserves, and credit, utilize 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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