In 2026, the FHA loan limits set in Gonzales county of Monterey, CA are as follows: - $915,400 for single-family homes, - $1,171,900 for 2-unit residences, - $1,416,550 for properties with 3 units, - $1,760,400 for 4-unit buildings.
Regarding conventional loans, the maximum borrowing amounts are: - $915,400 for a single-family residence, - $1,171,900 for homes with 2 units, - $1,416,550 for 3-unit properties, - $1,760,400 for those with 4 units.
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With the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs. Explore a variety of options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in contrast with FHA loans.
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The Loan Limits Comparison Table for 2026 in Gonzales county of Monterey, CA provides a thorough overview of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth comparison of qualification options such as income, reserves, and credit requirements, make use of 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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