In 2025, FHA loan limit in Carmel-by-the-Sea county of Monterey, California is $915,400 for a single-family home, $1,171,900 for 2-units, $1,416,550 for 3-units, and $1,760,400 for 4-units.
The maximum loan amount of conventional loans on a single-family residence is $915,400, $1,171,900 for 2-units, $1,416,550 for 3-units, and $1,760,400 for 4-units.
Use our FHA calculator to see today’s FHA best rates and determine the downpayment, Income, credit, reserves, and documents needed to qualify.
Lendersa® calculator enables you to compare FHA rate & terms with all other loan programs rate & terms. Explore and compare, Conventional loans, Jumbo loans, Va, USDA, Non-Qm, and hard money loans, with FHA.
Lendersa® gets loan program data from thousands of lenders and, in seconds, compares it against your unique financial profile and needs.
Loan Limits Comparison Table for 2025 in Carmel-by-the-Sea county of Monterey, California compare FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare qualification requirements such as Income, reserves, and credit, use 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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