In 2026, the USDA loan limit for King-City, located in the county of Monterey, CA, is set at $591,500. Meanwhile, the FHA limit for a single-family home is $739,450.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, evaluate USDA, FHA, Conforming, and VA options side by side to choose which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $591,500 | 0% |
| FHA | $739,450 | 3.5% |
| Conventional Conforming | $739,450 | 3% |
The mission of Lendersa® is to rapidly secure the best USDA or FHA loan for you without hassle. Begin with one of three starting points that connect you to matching lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture and also termed a USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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