In 2026, the FHA loan limits in Pacific-Grove county of Monterey, CA include $739,450 for a single-family home, $946,650 for 2-unit properties, $1,144,250 for 3-unit homes, and $1,422,050 for buildings with 4 units.
The maximum loan amount for conventional loans on a single-family residence is $739,450, $946,650 for homes with 2 units, $1,144,250 for residences with 3 units, and $1,422,050 for properties containing 4 units.
Utilize our FHA calculator to find the best FHA rates available today and determine the necessary downpayment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Consider exploring Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects comprehensive loan program data from thousands of lenders, offering prompt comparisons based on your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table in Pacific-Grove county of Monterey, CA helps compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification elements such as 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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