USDA Vs. FHA Pro and Con comparison in Monterey, Monterey County, CA
For 2025, the USDA loan limit in Monterey, within Monterey county, CA, is $683,500, whereas the FHA limit for a single-family home is $915,400.
Utilize the Lendersa® USDA loan calculator to compare the most favorable current rates between USDA and FHA loans. This tool helps determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in identifying the best program for your financial needs, especially in places like Alabama.
2025 Loan Limits and Down Payment Requirements in Monterey, Monterey County, CA
Loan Type
Loan Limit
Down Payment
USDA
$683,500
0%
FHA
$915,400
3.5%
Conventional Conforming
$915,400
3%
Options for USDA and FHA Loans in Monterey, CA
The goal of Lendersa® is to secure you the most advantageous USDA or FHA loan quickly and effortlessly. Start with any of the three fundamental steps to align with lenders and USDA loan options.
The USDA home loan, insured by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, accessible solely in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA loans require no down payment at all.
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