In 2026, the FHA loan limits in Prunedale, within Monterey county, CA, are as follows: $915,400 for a single-family home, $1,171,900 for two-unit properties, $1,416,550 for three units, and $1,760,400 for those with four units.
The maximum amount for conventional loans on single-family residences is $915,400, escalating to $1,171,900 for two units, $1,416,550 for those with three units, and $1,760,400 for residences with four units.
Utilize our FHA calculator to find today’s leading FHA rates and determine essential factors like downpayment, income requirements, credit score, reserves, and documentation needed for eligibility.
The Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Investigate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans beside FHA.
Lendersa® collects comprehensive loan program data from numerous lenders, swiftly matching it against your personal financial profile and needs.
Consult the Loan Limits Comparison Table for 2026 in Prunedale, Monterey county, CA, where maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans can be compared. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs like 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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