For 2026, FHA loan limits in South-Valley county, part of Bernalillo, NM, are $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
Conventional loans for a single-family residence are capped at $548,250. For 2-unit dwellings, the limit is $702,000, while for 3-units, it stands at $848,500, and for 4-units, $1,054,500 is the maximum.
Use our FHA calculator to uncover today's top FHA rates, and calculate the necessary downpayment, income, credit score, reserves, and documents required for qualifying.
The Lendersa® calculator allows you to compare FHA rates and terms with those of all other loan programs. Explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
By sourcing loan program data from thousands of lenders, Lendersa® quickly aligns it against your specific financial needs and profile.
For 2026, the Loan Limits Comparison Table in South-Valley under Bernalillo county, NM, provides a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements, such as 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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