In 2026, the FHA loan limits in King-City county of Monterey, CA are determined at $739,450 for a single-family home, $946,650 for homes with two units, $1,144,250 for three-unit dwellings, and $1,422,050 for properties containing four units.
For conventional loans, the limits reach a maximum of $739,450 for single-family homes, $946,650 for two-units, $1,144,250 for three-units, and $1,422,050 for four-unit properties.
Our FHA calculator helps you to discover today’s best FHA rates. It also assists in calculating the downpayment, income, credit, reserves, and necessary documents required for qualification.
With the help of the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs. Examine and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® gathers loan program data from an extensive number of lenders and provides swift comparisons against your specific financial profile and needs.
In the 2026 Loan Limits Comparison Table for King-City county of Monterey, CA, you can assess maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For analyzing qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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