In 2026, the FHA loan limits for Shiprock county in San Juan, NM are as follows: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum amount that conventional loans can reach for a single-family home is $726,200. For two units, it is $929,850, for three units $1,123,900, and for four units, the cap is $1,396,800.
Use our FHA calculator to find today’s optimal FHA rates, and calculate the necessary down payments, income, credit requirements, reserves, and documentation needed to qualify.
The Lendersa® calculator provides the ability to compare FHA rates and terms against all other loan programs. Discover and evaluate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® acquires comprehensive data from thousands of lenders, allowing a quick comparison tailored to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Shiprock county, San Juan, NM facilitates the comparison of maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification standards such as income, reserves, and credit, make use of 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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