USDA and FHA Pro and Con in Castroville, Monterey County, CA
For 2026, the USDA loan limit in Castroville, county of Monterey, CA, is set at $683,500, whereas the FHA limit amounts to $915,400 for a single-family home.
Use the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today, determining the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side to decide which program in suits your financial needs best.
Loan limits and down payment requirements for 2026 in Castroville, county of Monterey, CA
Loan Type
Loan Limit
Down Payment
USDA
$683,500
0%
FHA
$915,400
3.5%
Conventional Conforming
$915,400
3%
Exploring USDA and FHA Loan Options in Castroville, CA
Lendersa® aims to provide the most favorable USDA or FHA loan smoothly and efficiently. Begin with one of three approaches that match you to lenders and USDA lending programs.
A USDA home loan, secured by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusive to rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA mortgage loans need no down payment.
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