For 2026, the FHA loan limits in Pajaro, within Monterey county, CA, are $915,400 for a single-family home, $1,171,900 for two-unit properties, $1,416,550 for three-unit buildings, and $1,760,400 for four-unit residences.
The highest amount for conventional loans on a single-family residence is $915,400. For two units, it is $1,171,900, for three units $1,416,550, and for four units $1,760,400.
Utilize our FHA calculator to find today’s top FHA rates and determine the required downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Assess FHA against Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® collects data from thousands of lenders and compares it with your specific financial profile and needs.
For 2026, review the Loan Limits Comparison Table in Monterey, CA, to compare distinctions in loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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