Albuquerque, NM Mortgage Calculator
Estimate your monthly mortgage payment in Albuquerque including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,766
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $224,000
LTV: 0.01%
P&I Payment
$1,483
Total Interest
$309,795
over loan life
Payoff
30 yr
Closing Costs
$3,957–$7,386
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,483 | $185 | $1,297 | $223,815 | $1,297 |
| 2 | $1,483 | $187 | $1,296 | $223,628 | $2,594 |
| 3 | $1,483 | $188 | $1,295 | $223,440 | $3,889 |
| 4 | $1,483 | $189 | $1,294 | $223,252 | $5,183 |
| 5 | $1,483 | $190 | $1,293 | $223,062 | $6,476 |
| 6 | $1,483 | $191 | $1,292 | $222,871 | $7,768 |
| 7 | $1,483 | $192 | $1,291 | $222,679 | $9,059 |
| 8 | $1,483 | $193 | $1,290 | $222,486 | $10,348 |
| 9 | $1,483 | $194 | $1,289 | $222,292 | $11,637 |
| 10 | $1,483 | $195 | $1,287 | $222,097 | $12,924 |
| 11 | $1,483 | $196 | $1,286 | $221,900 | $14,211 |
| 12 | $1,483 | $198 | $1,285 | $221,703 | $15,496 |
Months 1–12 of 360
2025 Loan Limits — Bernalillo County, NM
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Albuquerque Mortgage
What is the average mortgage payment in Albuquerque?
Based on the median home value of $280,000 in Albuquerque, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Albuquerque?
The 2025 FHA loan limit for Albuquerque (Bernalillo County) is $524,225.
What is the conforming loan limit in Albuquerque?
The 2025 conforming loan limit for Albuquerque is $806,500. Loans above this are considered jumbo.