New Mexico FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in New Mexico

New Mexico has 33 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Bernalillo County to a high of $789,500 for a 4-bedroom unit in Los Alamos County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of New Mexico's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($605,525)
Highest Loan Limit ($789,500)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

How to qualify for an FHA Loan in New Mexico?

To qualify for an FHA loan in New Mexico, your home loan must be below the local FHA loan limits in your area. The maximum loan limit in New Mexico is $789,500 for a 4 living-unit home. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. FHA loans cannot be used for real estate investment purposes or "flipping" homes in New Mexico. Click on the New Mexico map above or the table below to see loan limits in your area.

Loan Limits by County in New Mexico (33)

County Lowest Loan Limit Highest Loan Limit
Bernalillo County $314,827 $605,525 view loan limits »
Catron County $401,350 $771,850 view loan limits »
Chaves County $314,827 $605,525 view loan limits »
Cibola County $314,827 $605,525 view loan limits »
Colfax County $314,827 $605,525 view loan limits »
Curry County $314,827 $605,525 view loan limits »
De Baca County $314,827 $605,525 view loan limits »
Dona Ana County $314,827 $605,525 view loan limits »
Eddy County $314,827 $605,525 view loan limits »
Grant County $314,827 $605,525 view loan limits »
Guadalupe County $314,827 $605,525 view loan limits »
Harding County $314,827 $605,525 view loan limits »
Hidalgo County $314,827 $605,525 view loan limits »
Lea County $314,827 $605,525 view loan limits »
Lincoln County $314,827 $605,525 view loan limits »
Los Alamos County $410,550 $789,500 view loan limits »
Luna County $314,827 $605,525 view loan limits »
Mckinley County $314,827 $605,525 view loan limits »
Mora County $314,827 $605,525 view loan limits »
Otero County $314,827 $605,525 view loan limits »
Quay County $314,827 $605,525 view loan limits »
Rio Arriba County $314,827 $605,525 view loan limits »
Roosevelt County $314,827 $605,525 view loan limits »
Sandoval County $314,827 $605,525 view loan limits »
San Juan County $314,827 $605,525 view loan limits »
San Miguel County $314,827 $605,525 view loan limits »
Santa Fe County $368,000 $707,700 view loan limits »
Sierra County $314,827 $605,525 view loan limits »
Socorro County $314,827 $605,525 view loan limits »
Taos County $314,827 $605,525 view loan limits »
Torrance County $314,827 $605,525 view loan limits »
Union County $314,827 $605,525 view loan limits »
Valencia County $314,827 $605,525 view loan limits »

** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/new-mexico