Current FHA Mortgage Rates in NM - New Mexico FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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New Mexico Mortgages

2022 FHA Loan Limits for New Mexico

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in New Mexico are below.

County Name One Family Two Family Three Family Four Family
Bernalillo One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Catron One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chaves One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cibola One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Colfax One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Curry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
De Baca One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dona Ana One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Eddy One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grant One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Guadalupe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Harding One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hidalgo One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lea One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lincoln One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Los Alamos One Family$530,150 Two Family$678,700 Three Family$820,350 Four Family$1,019,550
Luna One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mckinley One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mora One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Otero One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Quay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rio Arriba One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Roosevelt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
San Juan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
San Miguel One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sandoval One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Santa Fe One Family$468,050 Two Family$599,200 Three Family$724,250 Four Family$900,100
Sierra One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Socorro One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Taos One Family$423,200 Two Family$541,750 Three Family$654,850 Four Family$813,850
Torrance One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Union One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Valencia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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