USDA Vs. FHA your options comparison in Marina, Monterey County, CA
In 2026, the USDA loan limit within Marina, located in Monterey county, CA, is set at $683,500, while the FHA limit for a single-family property is $915,400.
Utilize Lendersa® USDA loan calculator for comparing today's top USDA vs. FHA rates, and determine the required income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, review USDA, FHA, Conforming, and VA offers side by side, aiding in selecting the most appropriate program for your specific financial needs in .
2026 Loan Limits and Down Payment Requirements in Marina, Monterey, CA
Type of Loan
Loan Limit
Down Payment
USDA
$683,500
0%
FHA
$915,400
3.5%
Conventional Conforming
$915,400
3%
Choices for USDA and FHA Loans in Marina, CA
Lendersa® aims to quickly and effortlessly match you with an optimal USDA or FHA loan. Choose from three starting pathways that align with lenders and USDA loan opportunities.
A USDA home loan, commonly referred to as a USDA rural development loan or mortgage, is backed by the government’s Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA mortgages require no down payment.
Central Coast Federal Credit Union is a community-chartered credit union open to all those who either reside, worship, attend school or work in Monterey County, California. Also eligible to join are parents of any students attending a university or college in Monterey County, regardless of where the parent resides.
To Pacific Valley Bank, being truly local means having strong roots in the community, an unmatched knowledge of local industry, and relationships with community and business leaders. We believe supporting the community means much more than simply offering financial support. Pacific Valley Bank focused on small to medium size businesses.
838 South Main Street, Suite C, Salinas, CA, 93901
Lends in California
TreeHouse Mortgage Our top priority is to help you make an informed decision by presenting all available options. We offer exceptional customer service, superior loan processing times, competitive mortgage rates, extensive mortgage product offerings, and an unwavering commitment to get you to the finish line. We are known for our high quality.
Bay Capital Mortgage. We are a full-service mortgage company based in Salinas, CA. We specialize in Mortgage Loans in Salinas. We also serve the surrounding cities in Monterey County. Whether you are buying a home or Refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment
As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations. We hope you’ll browse our website.
Seraph Rates full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
We at Harris Mortgage have made a career as the people’s lender. Knowing and understanding the vast amount of programs to service each type of borrower with a know-how on structuring files to ensure we find the right mortgage for you and your family. Our loan officers bring honesty and expertise to each relationship.
At Malvini Real Estate Group finding a home that is perfect for you while working within your budget is a specialty of ours. Let Steve Malvini help you relieve the stress and uncertainty of buying and/or selling a home. Our Financial Services provide professional, knowledgeable, and experienced tax preparers to help
Monterey County Bank, a wholly-owned subsidiary of Northern California Bancorp, Inc, provides retail and commercial banking products and services to individuals and small and medium-sized businesses in California. The company’s deposit products include personal and business checking accounts, savings accounts, money market investment accounts
5 Harris Court, Building N, Suite 3, Monterey, CA, 93940
Lends in California
1st Capital Bank is a locally managed community bank headquartered in Monterey County. We provide professional banking, including credit and cash management services, to businesses, professionals and residents throughout California’s Central Coast. Member FDIC
1st Capital Bank’s mission is providing sustainable value to our customers
