For 2026, the FHA loan limit in Monterey, Monterey, CA, is $915,400 for a single-family house. It increases to $1,171,900 for two-unit dwellings, $1,416,550 for three-unit residences, and peaks at $1,760,400 for four-unit estates.
The maximum for conventional loans stands at $915,400 for single-family homes. For two-unit homes, it rises to $1,171,900, for three units it's $1,416,550, and $1,760,400 for four units.
Use our FHA calculator to find today's best FHA rates and determine necessary criteria like downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator assists in comparing FHA rates and terms with other loan program offerings. Assess various options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, in conjunction with FHA.
Lendersa® collects data from numerous lenders and quickly integrates it with your financial profile to meet your requirements.
The Loan Limits Comparison Table for 2026 in Monterey, Monterey, CA, allows for comparing maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for in-depth analysis of qualification criteria including income, reserves, and credit.
| 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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