For 2026, the FHA loan limits in the county of White-Rock, Los Alamos, NM are $495,650 for a single-family home, $634,500 for two units, $767,000 for three units, and $953,200 for buildings with four units.
Conventional loans allow a maximum of $548,250 for a single-family residence, $702,000 for two-unit properties, $848,500 for three units, and the limit for four units is $1,054,500.
Utilize our FHA calculator to discover today’s optimal FHA rates, determine the necessary down payment, income requirements, credit score, reserves, and documents required to qualify.
The Lendersa® calculator enables comparison of FHA rates and terms with those of various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently acquires comprehensive loan program data from numerous lenders, delivering speedy comparisons tailored to your financial profile.
The Loan Limits Comparison Table for 2026 in White-Rock county, Los Alamos, NM, offers a detailed comparison of loan maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria like income, reserves, and credit needs.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $495,650 | $634,500 | $767,000 | $953,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $396,500 | $396,500 | $396,500 | $396,500 |
| 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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