FHA VS Conventional loan in Seaside, Monterey County, California

As of 2025, the conventional loan ceiling for a single-family home in Seaside, county of Monterey, CA stands at $915,400. Meanwhile, the FHA ceiling is $915,400.

Explore Lendersa® Conventional loan calculator to efficiently compare the prevailing rates of Conventional against FHA and USDA options. Determine your eligibility based on income, credit score, reserves, and necessary documents. The intuitive mortgage tool allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on the optimal program for your financial needs in CA.

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2025 Loan Limits and Down Payment Requirements in Seaside, Monterey, CA

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

This table is applicable for the zip codes: 93955

Exploring Conventional and FHA Loans in Seaside, CA

The goal at Lendersa® is to streamline your acquisition of the best possible Conventional, USDA, or FHA loans, quickly and efficiently. Choose from three available starting points that connect you with suitable lenders and programs.

Results from USDA loan requests and matching


  • The Mortgage House, Inc.
  • 2915 S. Main Street, Joplin, MO, 64804
  • The Mortgage House team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Franklin State Bank
  • 278 2nd Ave E., Franklin, MN, 55333
  • At Franklin State Bank, we are your trusted banking partner! Located in Southwest Minnesota, we are happy to serve our friends, family and neighbors by helping them secure home, business, and agricultural loans as well as supplying them with convenient checking, savings and more. Online and mobile banking ensures you get your financial information
  • Commercial Bank of Texas, N.A.
  • 7463 US-69, Alba, TX, 75410
  • Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.
  • Community Bank of Pleasant Hill
  • 2401 North Highway 7, Pleasant Hill, MO, 64080
  • Our Mission at Community Bank of Pleasant Hill is to provide shareholder value by offering safe and sound financial solutions to consumers and businesses in our community through innovative, quality products, and superior client service. We build value with a responsive, knowledgeable, and professional staff in a friendly environment.
  • National Bank & Trust
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  • Chartered in 1888, National Bank & Trust is headquartered in La Grange, Texas, and has been a major contributor in the development and expansion of the business and agricultural community since its inception. National Bank & Trust is a full-service Bank with friendly people who take the time to listen
  • Southwest Missouri Bank
  • 202 W High, Alba, MO, 64830
  • We are proud to be the largest locally owned community bank in southwest Missouri. It all began in Carthage, Missouri, when Garry Denney, along with seven other citizens, decided to start a new bank. The first Carthage branch opened in June, 1979, with one million dollars in assets and over the years we expanded into Joplin, Neosho, Jasper & Alba.
  • Lake Region Bank
  • 1690 1st St. S., Willmar, MN, 56201
  • Bankers. Neighbors. Minnesotans. Lake Region Bank has been your neighbor since 1915. We live and work in your community, and you’ll see us at many of your neighborhood events. Our success has always been tied to the success of local families and businesses. From personal banking and insurance to business banking and wealth management services,
  • Midwest Mortgage
  • 629 1st Street S, Willmar, MN, 56201
  • Midwest Mortgage has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals and individual homebuyers throughout Minnesota. We’re a full-service mortgage broker offering expertise in every area of mortgage lending.
  • Midwest Minnesota Community Development Corporation
  • 119 Graystone Plaza, Suite 100, Detroit Lakes, MN, 56501
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  • Principle Mortgage Group, Inc.
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  • At Americana Community Bank! You’ll find that we are the bank that provides excellent, friendly, down-to-earth service while actively participating in and supporting the communities we serve. Though our name has changed over the past 100 years, our knowledge, dedication and excellent service have been constant.