In 2026, the FHA loan limits for Santa-Teresa county of Dona Ana, NM are: $356,362 for a single-family home, $456,275 for a two-unit building, $551,500 for three units, and $685,400 for a four-unit property.
For conventional loans, the maximum loan amount for a single-family residence is $548,250. For two units, it is $702,000; three units accommodate $848,500; and four-unit structures can reach $1,054,500.
Utilize our FHA calculator to discover today’s prime FHA rates and understand the down payment, income level, credit score, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against various loan programs. Investigate and assess Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® gathers detailed data from thousands of lenders, offering rapid comparisons tailored to your financial profile.
For 2026 in Santa-Teresa county of Dona Ana, NM, the Loan Limits Comparison Table allows a comprehensive analysis of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To evaluate qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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