USDA Vs. FHA Pro and Con comparison in Carmel-by-the-Sea, Monterey County, CA
For the year 2025, the USDA loan limit in Carmel-by-the-Sea, located within the county of Monterey, CA, is set at $683,500, whereas the limit for an FHA loan applicable to a single-family home is $915,400.
Make use of the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. This will help you determine the necessary income, credit score, reserves, and documentation required to qualify. Our sophisticated mortgage calculator illustrates the USDA, FHA, Conforming, and VA options side by side, enabling an informed decision on which program in suits your financial circumstances best.
2025 Loan Limits and Downpayment Requirements in Carmel-by-the-Sea, Monterey, CA
Loan Type
Loan Limit
Downpayment
USDA
$683,500
0%
FHA
$915,400
3.5%
Conventional Conforming
$915,400
3%
USDA and FHA Loan Selection in Carmel-by-the-Sea, CA
Lendersa® is committed to securing you the most advantageous USDA or FHA loan swiftly and without unnecessary hassle. Begin with one of three options, leading to compatible lenders and USDA loan programs tailored just for you.
The USDA home loan is a federally backed mortgage program facilitated by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, restricted to rural areas. In stark contrast to FHA loans, which necessitate a minimum downpayment of 3.5%, USDA mortgages feature a no downpayment requirement.
At Oregon Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
At 3 Keys Lending, LLC, our mission is to help homeowners and future homeowners get the absolute best mortgage rates and options when buying or refinancing their home. Through a little education, we can help you save thousands of dollars on your loan by teaching you the 3 Keys of Lending.
10643 N Frank Lloyd Wright Blvd, Suite 103, Scottsdale, AZ, 85259
Whether you’re buying, selling, ReFinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
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10575 N. 114th St. Suite 103, Scottsdale, AZ, 85259
Primeau Funding has been active in the financial community since 1999 securing capital for individual investors, developers and companies nationwide and internationally. We specialize in hard money and private equity participation for your commercial real estate and energy projects. We offer competitive rates on various loan types such as hard mone
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8747 South Priest Drive, Suite 101, Tempe, AZ, 85284
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9180 South Kyrene Road, Suite 101, Tempe, AZ, 85284
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