For 2026, the FHA loan limits in Santa-Fe county of Santa Fe, NM are set at $414,000 for a single-family home. For 2-units, the limit is $530,000, for 3-units it is $640,650, and for 4-units, the cap is $796,150.
The maximum loan amounts for conventional loans on a single-family residence are $548,250, with limits of $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Our FHA calculator can help you find today’s best FHA rates and calculate the necessary down payment, income, credit, reserves, and required documents to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms with all other loan programs. Explore and assess Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans too.
Lendersa® gathers a wealth of loan program data from numerous lenders and swiftly aligns it with your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Santa-Fe county of Santa Fe, NM provides comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money limits. To compare qualification requirements like income, credit, and reserves, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $414,000 | $530,000 | $640,650 | $796,150 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $331,200 | $331,200 | $331,200 | $331,200 |
| 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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