FHA Loan Limits in Grant County, New Mexico (2026)
From Grant County, FHA buyers in Grant County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Southwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Grant County, from Grant County outward, and sit alongside the limits set for neighboring Bernalillo and Dona Ana Counties.
What can you buy with FHA in Grant County?
An FHA buyer near Grant County faces an estimated $330,000 median, a $11,550 down payment, and — after New Mexico's 0.78% property tax — a monthly cost around $2,472. That suits household income of roughly $96,000, above New Mexico's $58,722 median household income, so budget carefully.
FHA payment scenarios in Grant County
Here is what an FHA payment looks like at three Grant County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $238,000 | $8,330 | $1,815 |
| Local median — $330,000 | $11,550 | $2,472 |
| At the FHA limit — $541,287 | $18,945 | $3,980 |
Estimates include FHA MIP plus New Mexico property taxes and insurance. Rates move daily near Grant County too — get notified.
In Grant County and the surrounding Grant County market, FHA's appeal is the math: $11,550 down on a $330,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Grant County
Looking at a duplex or fourplex near Grant County? FHA allows up to $692,997 on two units and $1,041,072 on four in Grant County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Grant County for 2026?
- In Grant County (Grant County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Grant County with FHA?
- For a median-priced ($330,000) Grant County home, plan on income around $96,000 at a 31% housing ratio — about $2,472/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Grant County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Grant County-area home. Gift funds are allowed.
- Is Grant County a high-cost FHA area?
- No — Grant County uses the $541,287 national floor for one unit.