2023 FHA (Government Loans) Limits for Monterey, Monterey County, California

In 2024, FHA loan limit in Monterey county of Monterey, California is $915,400 for a single-family home, $1,171,900 for 2-units, $1,416,550 for 3-units, and $1,760,400 for 4-units.

The maximum loan amount of conventional loans on a single-family residence is $915,400, $1,171,900 for 2-units, $1,416,550 for 3-units, and $1,760,400 for 4-units.

Use our FHA calculator to see today’s FHA best rates and determine the downpayment, Income, credit, reserves, and documents needed to qualify.

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Lendersa® calculator enables you to compare FHA rate & terms with all other loan programs rate & terms. Explore and compare, Conventional loans, Jumbo loans, Va, USDA, Non-Qm, and hard money loans, with FHA.

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Loan Limits Comparison Table for 2024 in Monterey county of Monterey, California compare FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare qualification requirements such as Income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™)

Loan limits Monterey county of Monterey, CA

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


  • Ameripro Lending, Inc.
  • 26149 Matlin Rd, Ramona, CA, 92065
  • We are here for you. From the start, you can expect your conversations with us to be friendly, educational, and comprehensive. It is our priority to take the time to truly get to know you and the specific details of your individual situation. You can count on us to dedicate our time and many years of expertise to help you reach your Home
  • San Vicente Mortgage
  • 1174 Main Street, Ramona, CA, 92065
  • "San Vicente Mortgage Lending Group is located in the beautiful city of Ramona (which is also known as Valley of the Sun) and services the entire State of California. San Vicente Mortgage is managed by long-time mortgage veterans, Christie Carlson and Jason DeLeo. Our extensive experience and expertise in the mortgage industry ensures"
  • Mortgage and Realty Professionals: Home Loans & Mortgage Refinance
  • 4024 Ibis Street, Suite B, San Diego, CA, 92103
  • Chris joined Mortgage and Realty Professionals in 2016 after graduating from the University of San Diego with a Bachelor of Business Administration – BBA, Finance, where he has since distinguished himself as the go to loan specialist amongst friends, family, agents, and past clients.
  • eMortgageGuys
  • 1419 University Ave, Suite C, San Diego, CA, 92103
  • eMortgageGuys we refuse to follow this “unwritten rule” that clients must jump through hoops to get their dream home or save on their mortgage. Instead, we roll up our sleeves, sit down at the table with each of their clients, and together, shoulder to shoulder, design the most effective solution to suit your unique financial situation.
  • Hansen Loans Inc.
  • 1644 Linwood Street, San Diego, CA, 92103
  • At Hansen Loans Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • XO Mortgage
  • 2720 5th Ave, Suite J, San Diego, CA, 92103
  • We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes. We take pride in treating our clients with honesty and integrity.
  • Your Darling Lender
  • 10444 Timberlane Way, Santee, CA, 92071
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Casa Financial Services, Inc
  • 9560 Cuyamaca Street, Suite 101, Santee, CA, 92071
  • Casa Financial Services, Inc are the small, family owned, military family, guy next door, working man, LOCAL brokerage just down the street. No huge buildings, no board of directors calling the shots, no share holders screaming for profit margins, no big government bailouts to boost the bottom line, with combined 40+ years experience.
  • The GreenHouse Group Inc
  • 3594 Adams Ave, San Diego, CA, 92116
  • We are a full-service real estate consulting & mortgage planning brokerage firm located here in The Heart of San Diego. We are local – San Diego Made – and we proudly represent home sellers, home buyers & those looking for home financing along the way. We are the highest-rated, most 5 star reviewed real estate company in the entire county ..
  • MECM Home Loans
  • 666 State St, San Diego, CA, 92101
  • MECM Home Loans is a family-owned business that supports the financial goals, real estate acquisition and wealth development of our clients. The company was founded with the principle that acquiring a home or a new loan shouldn’t be a stressful process we strive to making it fun and an informative process that
  • West End Mortgage Group
  • 437 9th Ave, San Diego, CA, 92101
  • We offer WHOLESALE RATES! Your local bank is held captive to sell their own products. That is, they will not provide unbiased advice nor selection, since by doing so, they risk losing your loan to the company whose product truly provides you the most value. As a Mortgage Broker, West End Mortgage Group can sell a variety of loan products.