USDA Vs. FHA Pro and Con comparison in Carmel-Valley-Village, Monterey County, CA
For the year 2025, the USDA loan limit in Carmel-Valley-Village, situated in Monterey county, CA, is set at $591,500, while for a single-family home, the FHA limit stands at $739,450.
Employ the Lendersa® USDA loan calculator to contrast the most favorable USDA and FHA rates of today. This tool assists you in assessing the necessary income, credit score, reserves, and documentation for eligibility. Our sophisticated mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs, enabling you to identify which program suits your financial status in best.
Loan Limits and Down Payment Criteria for 2025 in Carmel-Valley-Village, within Monterey, CA
Loan Type
Loan Limit
Down Payment
USDA
$591,500
0%
FHA
$739,450
3.5%
Conventional Conforming
$739,450
3%
Exploring USDA and FHA Loan Options in Carmel-Valley-Village, CA
Lendersa® aims to secure the best possible USDA or FHA loans for you promptly and without the inconvenience. Choose from one of three initial steps to align with lenders and suitable USDA loan programs efficiently.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, sometimes referred to as a USDA rural development loan or USDA mortgage, is only accessible in rural areas. In contrast to FHA loans, which necessitate at least a 3.5% down payment, the USDA mortgage requires none.
Brooklyn Funding Group makes short-term lending simple and stress-free. Our experienced team ensures a smooth process, turning your real estate goals into reality. We offer fast financing for 1-4 unit properties with up to 90% LTC, up to 75% ARV, and rates starting at just 7.7%. Whether it’s a fix-and-flip or an investment opportunity, we’re here t
1 Rockefeller Plaza, 9th Floor, New York, NY, 10020
Quontic is a Member FDIC bank, headquartered in New York City and located in a growing number of states. Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic’s disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products.
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45 Rockefeller Plaza, 20th Floor, New York, NY, 10111
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60 East 42nd Street, Suite 3010, New York, NY, 10165
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