For 2026, the FHA loan limit in Monterey-Park, which is part of Los Angeles, CA, is listed as $822,375 for a single-family home. The limits change to $1,053,000 for structures with 2 units, $1,272,750 for those with 3 units, and reach $1,581,750 for 4-unit buildings.
Conventional loans have a maximum amount of $822,375 for a single-family residence. For properties with 2 units, the ceiling is $1,053,000, $1,272,750 for 3-unit homes, and $1,581,750 for 4-unit homes.
To discover today's most favorable FHA rates, use our calculator. It will also help determine downpayment requirements, the necessary income, credit reserves, and documentations required for qualification.
Lendersa® offers a calculator to compare FHA rates and terms with those of other loan programs. Evaluate various loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options alongside FHA loans.
Lendersa® compiles loan information from thousands of lenders to swiftly compare offers with your specific financial profile and requirements.
Use the Loan Limits Comparison Table for 2026 in Monterey-Park county, Los Angeles, CA to juxtapose FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For analyzing qualifications needed like income, reserves, and credit, apply the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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