VA loans in Clovis.
The Curry County figure on this page is a county reference only, not an address-based lookup for Clovis. Confirm the property's county, and which local offices serve the address, before relying on it.
Curry County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Curry County (FIPS 35009)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Curry County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Clovis. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionClovis permits: contractors need city registration and a posted permit
The City of Clovis Building Safety Department reminded contractors in June 2023 that they must register their business with the City before working within city limits. To get a permit, a contractor needs a valid business registration and a New Mexico contractor's license. Permits must be posted where inspectors can see them, and inspectors can issue stop-work orders.
Permits are issued at the Building Safety Department on Mitchell Street, and the City urged homeowners to confirm contractors are licensed. Practical step: before closing on a Clovis home with recent work, check the contractor's license and ask Building Safety whether the permit was finaled. Business registration is obtained at City Hall on N. Connelly Street. The City said building inspectors would actively patrol for compliance.
Curry County: four school and tax districts, and taxable value at one-third
The Curry County Assessor's Office says the county has four school and tax districts, Clovis, Texico, Melrose and Grady, and that the office prepares the tax roll for the County Treasurer. Under New Mexico law, a property's taxable value is 33.33% of its appraised value minus applicable exemptions.
The office lists an exemption specialist and a deeds specialist, and offers an online mailing-address change for value notices and tax bills. Practical step: confirm which district a property is in, since that affects the tax rate, and update your address after closing. The Assessor is required by state law to discover, list and value all property in the county.
- FHFA — Conforming loan limit values
- City of Clovis Building Safety Department — Business registration and permit reminder (June 9, 2023)
- Curry County Assessor's Office
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in NM.
$0 down in Clovis. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of NM veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Clovis, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Clovis purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Clovis — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Clovis is Curry County (FIPS 35009), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Clovis with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Clovis — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.