In 2026, the FHA loan limits for Del-Monte-Forest county in Monterey, CA are specified as $739,450 for single-family homes, $946,650 for two-unit homes, $1,144,250 for three-unit properties, and $1,422,050 for four-unit dwellings.
For conventional loans, the maximum amounts are $739,450 for single-family residences, $946,650 for two-unit properties, $1,144,250 for three-unit buildings, and $1,422,050 for those with four units.
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The Lendersa® calculator allows you to compare FHA rates and terms alongside other loan programs. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison to FHA offerings.
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The Loan Limits Comparison Table for 2026 in Del-Monte-Forest county, Monterey, CA provides a comprehensive view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To compare qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a deeper insight.
| 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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