In 2026, the FHA loan limits in Rio-Communities county, Valencia, NM are as follows: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The highest loan amounts for conventional loans on a single-family residence are $548,250. For two units, the limit is $702,000; for three units, it's $848,500; and $1,054,500 for four-unit homes.
Use our FHA calculator to explore today's best FHA rates and determine the necessary down payment, income requirements, credit score, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs. Explore options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® quickly compiles data from thousands of lenders, comparing it with your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rio-Communities county of Valencia, NM provides comparisons for maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs, including 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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