Explore the differences! FHA VS Conventional loan programs 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


  • Capital Bridge Partners, Inc
  • One Sansome Street, Suite 1500, San Francisco, CA, 94104
  • Founded in 2019, Capital Bridge Partners a San Francisco-based private real estate lending and investment firm specializing in bridge loans, mezzanine and joint venture financing as well as providing alternative investment solutions Our Principals have over 40 years of collective real estate industry experience.
  • Security Financial Services
  • 100 Bush Street, Suite 1500, San Francisco, CA, 94104
  • "Founded in 1943, Security Financial Services is an established real estate lender and business note purchaser headquartered in the San Francisco Bay Area. Our unique lending philosophy has weathered many challenges and has allowed us to originate hundreds of millions in loans. "
  • Plum Lending
  • 445 Bush Street, Suite 500, San Francisco, CA, 94108
  • Plum Lending is revolutionary commercial real estate lending, combining the world of data science with traditional lending. Our mission is to help borrowers meet their funding needs with the most efficient and optimal process in the industry. We provide smart and reliable funding options.
  • SunnyHill Financial Inc
  • 600 California St, Suite 15-007, San Francisco, CA, 94108
  • SunnyHill Financial has over 50 years of combined mortgage experience, ranging from some of the oldest banking institutions to the newest mortgage Fintech startups. You will be working directly with the owners of the company and alos Proudly service are Az, Ca, Co, GA, MI, NC, OH, FL, OR, PA, TX, and UT.
  • Holmgren & Associates
  • 4200 Broadway, Oakland, CA, 94611
  • Holmgren & Associates has built a strong reputation as a trusted, independent mortgage provider in the Bay Area. Established in 1989.We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to construction lending
  • LaSalle Mortgage
  • 4200 Broadway, Suite 2, Oakland, CA, 94611
  • Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial. We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
  • Greater Bay Mortgage Co
  • 1980 Mountain Blvd., Suite 209, Oakland, CA, 94611
  • Greater Bay Capital and Greater Bay Mortgage team up to provide full service mortgage banking products and services.Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • Upstar Home Mortgage Inc.
  • 2005 Evergreen Ave., Modesto, CA, 95350
  • Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.
  • Alameda Mortgage Corporation
  • 1101 Sylvan Avenue, Suite C-102, Modesto, CA, 95350
  • "At AMC, we believe how you get your mortgage matters. In 1968, fed up with the mechanization and lack of character in the mortgage industry, we decided to embark on something new. We moved an industry typically reserved for big banks to a small business venue and it turns out we were on to something. Over the years we have grown"
  • Carrollton Mortgage Co.
  • 3400 Tully Road, Suite A, Modesto, CA, 95350
  • Carrollton Mortgage Co are completely committed to helping you find the right mortgage to fit your needs. Our team of mortgage professionals will provide you with the information you need to make an informed decision. We put people first. You can enjoy a free personalized consultation by visiting or calling our offices.
  • Taylor Mortgage Company, Inc.
  • 1920 Standiford Avenue, Suite 2, Modesto, CA, 95350
  • Taylor Mortgage Company is a locally owned mortgage brokerage offering home loans at the current lowest rates and fees available on the market. As a mortgage broker, as versus a banker, Taylor Mortgage can offer financing plans and programs at rates, fees, and terms many other companies can't even dream of.