Los Alamos County, New Mexico Loan Limits for 2026

How big a loan can your county back?

About these limits

FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.

The FHA loan limit in Los Alamos County is $692,300 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $832,750. Anything larger is a jumbo loan. HUD sets the FHA figure for the LOS ALAMOS, NM area.

Up to $692,300

The FHA limit for a one-unit home in Los Alamos County. The conforming limit is $832,750. A $450,000 home with 3.5% down is a $434,250 loan, under the FHA limit.

FHA limit, 1 unit$692,300
Conforming limit, 1 unit$832,750
HUD areaLOS ALAMOS, NM
Plan a $450,000 homeOpens your plan with Los Alamos County and the price filled in
CountyHouseholdIncomePriceSavings
2026 limits by number of units
UnitsFHA limitConforming limit
1$692,300$832,750
2$886,250$1,066,250
3$1,071,300$1,288,800
4$1,331,350$1,601,750

FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $600,000.

What the limit means at the median price

The median Los Alamos County home is worth $452,500. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $436,663, within the county limit.

Frequently asked questions

Frequently asked questions

What is the FHA loan limit in Los Alamos County for 2026?

$692,300 for a single-family home, $886,250 for a duplex, $1,071,300 for a triplex and $1,331,350 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Los Alamos County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Los Alamos County?

$832,750 for a one-unit home in 2026 ($1,066,250, $1,288,800 and $1,601,750 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.

Does the limit cap the home price?

No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.

Sources

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

More about loan limits

Loan limits in every New Mexico county → Los Alamos County home buyer guide →

General information, not lending advice. Lenders may set their own lower caps.

Los Alamos County overview
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