In 2026, the FHA loan limit for Carmel-by-the-Sea in Monterey county, CA, stands at $915,400 for a single-family home, $1,171,900 for duplexes, $1,416,550 for three-unit homes, and $1,760,400 for four-unit properties.
The highest amount for conventional loans on a single-family home is $915,400. For two-unit homes, it's $1,171,900, for three-unit residences, it's $1,416,550, and for four-unit buildings, it's $1,760,400.
Utilize our FHA calculator to examine today's top FHA rates. It also guides you on the needed downpayment, income, credit score, reserves, and documentation for eligibility.
With the Lendersa® calculator, compare FHA rates and terms against other loan programs. Investigate options like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans alongside FHA.
Lendersa® efficiently collects data from thousands of lenders, aligning it with your financial profile in seconds.
The Loan Limits Comparison Table for 2026 in Monterey, CA offers insight into maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To compare qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| USDA | $683,500 | $683,500 | $683,500 | $683,500 |
| VA | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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