For 2026, the FHA loan limits in Roswell within Chaves, NM are defined as $472,030 for single-family homes. For 2-unit properties, the limit is $604,400; for 3-units, it's $730,525; and for 4-units, it tops out at $907,900.
Regarding conventional loans, the cap for a single-family residence is $726,200. For 2-units, the limit is $929,850; for 3-units, it's $1,123,900; and for 4-units, the maximum is $1,396,800.
Utilize our FHA calculator to view today's most favorable FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator allows you to contrast FHA rates and terms with those of all other loan options. Delve into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in addition to FHA.
Lendersa® collects loan data from thousands of lenders and swiftly compares it to meet your unique financial profile and requirements.
In Roswell for 2026, within Chaves county, NM, the Loan Limits Comparison Table lets you analyze FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan caps. To assess qualification factors like income, reserves, and credit, use 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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