FHA VS Conventional loan in Monterey, Monterey County, California

In 2025, Convetional loan limit in Monterey, county of Monterey, CA is $915,400 while FHA limit is $915,400 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Monterey, county of Monterey, CA

Loan Type Loan Limit Down payment
Conventional Conforming $915,400 3%
USDA $683,500 0%
FHA $915,400 3.5%

The comparison table applies to zip codes: 93943, 93940, 93944

Conventional and FHA loan options in Monterey, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Metropolitan Mortgage Corp.
  • 7018 W. Archer Ave, Chicago, IL, 60638
  • With over 20 years of mortgage experience we serve our customers with honesty, integrity and competence to help them get best possible financial solutions to fulfill their dreams. Our goal is to help our clients to get home loans while providing them with the lowest interest rates and closing costs possible
  • Prime Rate Lending Group Inc
  • 6501 West Archer Avenue, Chicago, IL, 60638
  • Prime Rate Lending Group There are hundreds of mortgage products out there, we can present you the knowledge to help you make the right decision for you and your family and place your loan with a lender that best fits your needs With over 20 years of lending experience, we can assure you a through process and quality of service
  • Meadowland Credit Union
  • 1040 North Main Street, Sheboygan Falls, WI, 53085
  • Meadowland Credit Union was chartered on April 18, 1957 as Bemis Employees Credit Union. At that time, the credit union was serving only the employees of Bemis Manufacturing and their immediate family members. On January 10, 1995, our field of membership was expanded to include employees of Richardson Industries and their immediate family members.
  • Signature Home Lending Inc
  • 1250 SW Railroad Avenue, Suite 210-A, Hammond, LA, 70403
  • Signature Home Lending Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • HomeKey Mortgage, LLC
  • 112 W Morris Avenue, Hammond, LA, 70403
  • At HomeKey Mortgage, LLC. We are a full-service mortgage company, conveniently located in Hammond & Denham Springs, with mobile services available throughout the state of Louisiana. We specialize in conventional loans, USDA loans, FHA loans, VA loans & Reverse Loans. Whether you are buying a home or refinancing in any of these zip codes: 70403,
  • Bander Mortgage Inc
  • 378 Park Avenue, Unit 2E, Glencoe, IL, 60022
  • We are a full-service mortgage company helping real estate professionals and homeowners thoughout the Chicago area. Bander Mortgage offers a very wide range of mortgage products. This allows us to fit the best loan to the specific needs of each client. Our products range from conventional, Jumbo, FHA, VA, Fix & Flips loans and more.
  • Northview Bank & Trust
  • 245 Waukegan Rd, Winnetka, IL, 60093
  • Northview Bank & Trust, a Wintrust Community Bank, offers reliable and convenient banking solutions tailored to our customers, their needs, and our unique community. No matter your personal financial goal or small business banking need, we can help. But, we also go above and beyond basic financial solutions
  • Sterling Mortgage Broker Inc
  • 10610 S Cicero Ave, Suite 7, Oak Lawn, IL, 60453
  • Sterling Mortgage Broker Inc, where we specialize in residential mortgages. At Sterling Mortgage Broker Inc, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • 1st Eagle Mortgage Inc
  • 790 West Frontage Road, Suite 418, Northfield, IL, 60093
  • 1st Eagle Mortgage is a full-service mortgage company, working closely with current and prospective property owners in the Chicagoland area to create tailor-made mortgages to meet their needs. Our focus is on you, the customer. We understand that every customer’s situation is unique.
  • MidAmerica Bancorp Inc
  • 9720 Southwest Highway, Oak Lawn, IL, 60453
  • MidAmerica Bancorp, Inc. offers a range of mortgages for first time and returning homebuyers with low down payment options. Our company has been serving the Chicagoland area for more than 25 years. We have become experts in the local housing market and in every type of home buying situation.
  • CROWN MORTGAGE COMPANY
  • 6141 W 95th St, Oak Lawn, IL, 60453
  • Crown Mortgage Company is Chicagoland’s premier mortgage banker since 1975. We have helped thousands of families achieve the AMERICAN DREAM. What is unique about Crown Mortgage is that we are your lender throughout the life of the loan, from application until your last payment is made.