FHA VS Conventional loan programs in 2025 for Pajaro, Monterey County, California

In 2025, the Conventional loan limit in the city of Pajaro, Monterey county, CA is $915,400. The FHA limit for a single-family home is $915,400.

Using the Lendersa® calculator, compare today's best rates across Conventional, FHA, and USDA loans. Assess income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side-by-side, guiding you to the best option in CA for your needs.

View loan offers from 100 lenders.

2025 Loan Limits and Downpayment Requirements in Pajaro, Monterey, CA

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

Applicable zip codes: 95076

Conventional and FHA Loan Choices in Pajaro, CA

The mission of Lendersa® is to quickly provide the ideal loan solution, whether it's Conventional, USDA, or FHA, without complications. Choose one of three paths to match with lenders and loan programs that suit your needs.

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  • Elite Mortgage Pros
  • 8103 3rd St, Suite 1, Downey, CA, 90241
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Power House Mortgage and Real Estate Services, Inc.
  • 9317 Firestone Boulevard, Downey, CA, 90241
  • We are a full-service mortgage company based in Downey, CA. We specialize in FHA loans, first time home buyer programs and VA Mortgage in Downey. We also serve the surrounding cities in Los Angeles County. Whether you are buying a home or Refinancing in or around zip code 90241, we can help you realize your dream of home ownership
  • First Banc Home Loans
  • 10802 Downey Ave, Downey, CA, 90241
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Downey Capital Mortgage Inc.
  • 8255 Firestone Boulevard, Suite 101B, Downey, CA, 90241
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Escala Financial
  • 8255 Firestone Boulevard, Suite 301, Downey, CA, 90241
  • Escala Financial, your trusted guide through the sometimes confusing and murky waters of home loans. Since our founding in 2009, we have helped hundreds of families through personalized service and programs that achieve their personal financial goals. Whether you’re a new home buyer, want to refinance or are ready to retire.
  • Real Consultants
  • 8141 2nd Street, Suite 420, Downey, CA, 90241
  • REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC., we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
  • G & V Options & Solutions Inc.
  • 10630 Downey Avenue, Suite 100B, Downey, CA, 90241
  • We have a Residential and Commercial Team both are certified for REO’s and Short Sales. We can cover all of our diverse clients’ necessities. Our Expert team includes a Utilities Specialist, Field Representative, License Appraisal / BPO’s Specialist, Transaction Coordinator, Offers Coordinator.
  • Inbanet Real Estate Lending & Investments
  • 8141 2nd St, Suite 347, Downey, CA, 90241
  • Inbanet is a premier direct hard money and non prime lender for commercial and investment residential (strictly for business purpose) properties nationwide with a consortium of strong private label investors, hedge funds, private equity companies and family offices to facilitate quick
  • HomeLoan123
  • 13725 Proctor Ave, Suite A, La Puente, CA, 91746
  • HomeLoan123.com, in 1994 to expand our services via the Internet and provide online mortgage services. Our goal has always been to provide the best available mortgage products and to make the mortgage process a positive and pleasant experience for you. Over the Internet, telephone or in person, we are here to serve you.
  • Winn Mortgage
  • 13300 Crossroads Parkway N, Suite 150, City Of Industry, CA, 91746
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Right Start Mortgage
  • 13191 Crossroads Parkway North, Suite 175, La Puente, CA, 91746
  • Right Start Mortgage, Inc., founded in 1989, is a full service mortgage banking firm specializing in Conventional, VA, and FHA residential mortgages. As a Fannie Mae direct lender and approved Ginnie Mae Seller/Servicer we offer the most competitive interest rates on the market today for all of your mortgage needs