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

In 2025, Convetional loan limit in Pajaro, 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.

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2025 loan limits and downpayment requirments in Pajaro, 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: 95076

Conventional and FHA loan options in Pajaro, 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


  • Kohler Mortgage LLC
  • 1906 Winding Oaks Drive, Orlando, FL, 32825
  • At Kohler Mortgage, we are committed to finding you the most competitive financing options, whether buying a home or refinancing a current loan. We have access to a variety of programs and will assist you in selecting the best financing options available. We work directly with wholesale lenders which offers us low wholesale rates passed
  • Central Keystone FCU
  • 1000 Market Street, Sunbury, PA, 17801
  • Central Keystone Federal Credit Union has been open since 1954. The credit union has assets totaling $53.45 Million and provides banking services to more than 3, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
  • The Northumberland National Bank
  • 245 Front Street, Northumberland, PA, 17857
  • The Northumberland National Bank opened for business in 1903, in a storefront building on the corner of Queen and Water Streets. State senator and Witmer Steele Lumber Company owner Charles Steele saw the need for an independent, locally-owned community bank in his hometown, and his idea was immediately popular
  • Allcredit Home Loans, Inc
  • 228 Baltimore Street, Hanover, PA, 17331
  • We offer many low & NO down payment financing options.And in many cases the seller can pay part or all of your closing costs so you can purchase a home with not a lot of money.All Credit Home Loans Inc is located in Hanover, PA, USA & is part of the Activities Related to Credit Intermediation Industry. All Credit Home Loans Inc has 2 total employee
  • Affordable Home Mortgage, Inc.
  • 300 Baltimore Street, Hanover, PA, 17331
  • Affordable Home Mortgage, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • FAIRWINDS Credit Union
  • 3087 N. Alafaya Trail, Orlando, FL, 32826
  • We are the financial that doesn’t want you to have any debt. We offer solutions and advice to help you on your journey to financial freedom. FAIRWINDS Credit Union is Federally Insured by NCUA. We will not address specific member service issues or complaints through our social media channels.
  • First Choice Lending
  • 14365 East Colonial Drive, Orlando, FL, 32826
  • First Choice Lending has gathered a team of experienced professionals under one roof, providing each client with step-by-step customer guidance from the initial inquiry until the purchase of their dream home. All in an atmosphere of mutual respect, professionalism and dedication. First Choice Lending; making a difference!
  • Capitol Mortgage Group
  • 9401 Courthouse Rd, Suite 303, Chesterfield, VA, 23832
  • Capitol Mortgage Group was created with one goal in mind, finding a Better Way to home loan financing. As an independent mortgage broker, Capitol Mortgage Group has access to hundreds of mortgage lenders across the country. We sort thru and handpick the lenders that not only offer the most aggressive interest rates
  • Washington Commercial Lending & Development, LLC
  • 5908 Love Joy Court, Springfield, VA, 22152
  • Our mission at Washington Commercial Lending and Development is to provide creative short term hard money loans, be it small or large. We pride ourselves in providing fast funding decisions and competitive rates. We serve real estate investors, mortgage brokers, and small business owners.
  • Henrico Federal Credit Union
  • 9401 West Broad Street, Henrico, VA, 23294
  • Henrico Federal Credit Union was chartered in 1967 to serve the employees of Henrico County, Virginia. A credit union built on the core principle of relationships, we strive to provide the highest level of financial service to our members while demonstrating the traditional credit union philosophy of People Helping People.
  • Partners Financial Federal Credit Union
  • 1200 New York Avenue, Glen Allen, VA, 23060
  • Partners Financial Federal Credit Union began as Richmond Federal Employees’ Federal Credit Union (later changed to Richmond Federal Credit Union) on May 23, 1958. At the time, membership was limited to employees of the U.S. Government who worked in or who were headquartered in Richmond.