In 2026, the FHA loan limits for properties situated in Carmel-Valley-Village county, part of Monterey in CA, are as defined: for a single-family home, the limit is $739,450; for properties with two units, it is $946,650. For homes featuring three units, the cap is $1,144,250, while for those with four units, the upper limit is $1,422,050.
Maximum loan amounts for conventional loans on single-family residences are $739,450. For two-unit homes, the highest loan available is $946,650. For properties with three units, the maximum is $1,144,250, and for those with four units, it extends to $1,422,050.
Utilize our FHA calculator to explore today’s best FHA rates available and to assess and determine key factors like downpayment, necessary income, credit score, reserves, and documentation required for qualifying.
The Lendersa® calculator is designed to enable you to comparably assess FHA loan rates and terms against a variety of other available loan programs. Dive into exploring Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans side-by-side with FHA options to determine the best possible fit for your financial strategy and goals.
Compiling extensive loan program data from thousands of different sources, Lendersa® efficiently matches this data to your unique financial profile and needs, offering you rapid, personalized insights for smart financial decisions.
The Loan Limits Comparison Table for 2026 pertinent to Carmel-Valley-Village county, through Monterey in CA, provides a comprehensive reference point to assess the maximum loan amounts across various types, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth comparison of factors like income, reserve requirements, and credit score qualifications, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to ensure well-rounded and informed financial decision-making.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| USDA | $591,500 | $591,500 | $591,500 | $591,500 |
| VA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| 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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