In 2026, the FHA loan cap in Castroville county of Monterey, CA, is $915,400 for a single-family home, $1,171,900 for two units, $1,416,550 for three units, and $1,760,400 for four units.
For conventional loans, the top loan amount is $915,400 for single-family homes, $1,171,900 for two units, $1,416,550 for three, and $1,760,400 for four-unit homes.
Utilize our FHA calculator to view today's best FHA rates and determine necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Evaluate and explore, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders, swiftly aligning comparisons with your financial profile and specific needs.
See our Loan Limits Comparison for 2026 in Castroville, Monterey, CA to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. For qualification details including income, reserves, and credit, utilize 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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