For 2026 in Salinas county, Monterey, CA, the FHA loan limit stands at $915,400 for a single-family dwelling, $1,171,900 for duplexes, $1,416,550 for triplexes, and $1,760,400 for four-unit properties.
Concerning conventional loans, the cap for a single-family house is $915,400, with $1,171,900 for duplexes, $1,416,550 for triplexes, and $1,760,400 as the limit for four-unit buildings.
Use our FHA calculator for current FHA rates and to calculate down payment, income, credit requirements, and necessary documents for qualification.
You can use the Lendersa® tool to compare the rates and conditions of FHA loans with those of other programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly compiles and analyzes extensive lender data, aligning it with your personal financial criteria for optimization.
The Loan Limits Comparison Table for 2026 in Salinas county, Monterey, CA contrasts FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For evaluating income, credit, and reserve requirements, use the Lendersa® 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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