As of 2025, the FHA loan limits in Taos county, part of Taos, NM, are $472,030 for a single-family home. For 2-unit residences, the limit is $604,400, for 3-units, it's $730,525, and for 4-units, the cap is $907,900.
The highest amount for conventional loans on single-family homes is $726,200. For 2-units, the maximum is $929,850, with 3-units reaching $1,123,900, and 4-units stretching to $1,396,800.
Try our FHA calculator to discover today’s best FHA rates and understand the downpayment, income, credit, reserves, and documentation needed for qualification.
Employing the Lendersa® calculator, you can compare FHA rates and terms against those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles vast data from numerous lenders, swiftly analyzing it against your unique financial profile and requirements.
Our Loan Limits Comparison Table for 2025 in Taos county of Taos, NM, allows you to contrast loan ceilings for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To compare qualification requirements like income, reserves, and credit, use 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 | $338,500 | $338,500 | $338,500 | $338,500 |
| 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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