USDA and FHA Pro and Con in Gonzales, Monterey County, CA
In 2025, USDA loan limit in Gonzales, county of Monterey, CA is $683,500 while FHA limit is $915,400 for a single-family home.
Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.
2025 loan limits and downpayment requirments in Gonzales, county of Monterey, CA
Loan Type
Loan Limit
Down payment
USDA
$683,500
0%
FHA
$915,400
3.5%
Conventional Conforming
$915,400
3%
USDA and FHA loan options in Gonzales, CA
Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.
USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
Ample Funding Mortgage Lender are licensed professionals located in Southern California and we are still expanding our lending territory. We help home buyers get the right, correct mortgage they are looking for. Our talented loan officers walk the buyers through out the process to ensure its smooth and stress-free.
Step 1: Prequalify
Getting prequalified lets you know how much you can borrow, and lets sellers know you can back up your offer.
Step 2: Shop
Current Wells Fargo customers have exclusive access to a one-stop real estate shopping
tool.1 Start your home search now.
Step 3: Apply
Once you've found a home, it's time to submit a mortgage applicati
CommerceWest Bank is determined to redefine banking for small and mid-sized businesses throughout Southern California & the surrounding areas. Within an intelligently organized framework, we will provide flexibility, creating a complete, safe, and sound banking experience for each client, servicing owners and catering to their specific business.
Sunwest Bank, founded in 1969, is a privately held commercial bank with over $1.9 Billion in assets and headquartered in Irvine, CA, with operations in California, Arizona, Idaho, and Utah. We are an entrepreneurial business bank with a long tradition of providing excellent service to entrepreneurs,
California First National Bank ("CalFirst") is committed to providing solutions to meet a wide range of personal and commercial banking needs. Nationwide, our customers enjoy the convenience of one-stop banking anytime, anywhere. We provide 24/7 account management, and accept deposits via the Internet and mail.
Our company was founded on a simple principle – to deliver a great RATE – and provide an exceptional customer experience. With over 30 years of lending experience, we understand the loan process can be long and complex. That’s why we’ve made it our mission to make it as no-nonsense and hassle-free as possible.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Mynd Property Management serves the small residential real estate sector with a combination of on-the-ground experts and innovative technology. Headquartered in Oakland, California, Mynd boosts efficiencies for property owners and improves the rental living experience for residents.
