USDA Vs. FHA Pro and Con comparison in Pacific-Grove, Monterey County, CA

In 2024, USDA loan limit in Pacific-Grove, county of Monterey, CA is $591,500 while FHA limit is $739,450 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.

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2024 loan limits and downpayment requirments in Pacific-Grove, county of Monterey, CA

Loan Type Loan Limit Down payment
USDA $591,500 0%
FHA $739,450 3.5%
Conventional Conforming $739,450 3%

USDA and FHA loan options in Pacific-Grove, 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.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

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?



  • Utah Mortgage
  • 1525 North Main Street, Suite 100, Bountiful, UT, 84010
  • Utah Mortgage was formed in 2015, but our experience extends to over 30 years. Our team is growing quickly to support hundreds of new home-buyers each year. As a privately owned, founder-led company, we’re able to cut costs & time spent on the mortgage process. We invest in technology, research, home-owner support and great design.
  • Horizon Credit Union
  • 225 South 200 West, Farmington, UT, 84025
  • Horizon Credit Union We are not a bank; we're a community-based, member owned credit union. Our goal everyday is to provide our members a better way to bank. At Horizon Credit Union you’ll find our checking and savings accounts offer benefits most traditional banks just can't, like competitive interest rates.
  • Clear Capital Group
  • 240 N. East Promontory, Suite 200, Suite 4428, Farmington, UT, 84025
  • Clear Capital Group provides funding solutions for small and mid-size businesses by connecting clients with sorely needed capital resources that simply aren’t available in local banks and credit unions. Offering a literal buffet of financing options tailored to meet the needs of any business regardless of the stage of growth they are in as well as
  • JH Home Loans
  • 556 Rigby Rd, Farmington, UT, 84025
  • As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.
  • Best Rates On Earth
  • 722 West Shepard Lane, Suite 104, Farmington, UT, 84025
  • At TruePointe Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Pacific NW Federal Credit Union
  • 12005 NE Erin Way, Portland, OR, 97220
  • PNWFCU is a friendly credit union on a mission to be Your Financial Partner for Life. Since 1942, we’ve been putting people before profits, looking for ways to give back to our members & serve our community. Persons who live, work, worship or attend school in & businesses & other legal entities located in these counties are eligible to join PNWFCU.
  • Kaiperm Northwest Federal Credit Union
  • 7505 NE Ambassador Place, Suite A, Portland, OR, 97220
  • KaiPerm NW Credit Union serves the entire Kaiser Permanente Northwest Region family. The credit union is a not-for-profit financial cooperative. Our mission is to help members get ahead financially by improving their financial health and personal well-being. The credit union’s membership closely mirrors Kaiser Permanente.
  • Ironworkers USA Credit Union
  • 11620 NE Ainsworth Circle, Suite 400, Portland, OR, 97220
  • Ironworkers USA Federal Credit Union is dedicated to promoting community development in all of the areas it conducts business and to provide affordable financial services to low-income people. In doing so, we will help them build assets and achieve financial stability. As a Financial Cooperative, We are Owned and Operated by Our Members.
  • CU Business Group
  • 9600 NE Cascades Pkwy, Suite 250, Portland, OR, 97220
  • CU Business Group provides business lending, deposit and consulting services to credit unions nationwide. As the largest business services CUSO in the industry, CU Business Group serves more than 627 credit unions in 48 states, providing products and technical expertise to help credit unions plan
  • Agape Mortgages Inc
  • 2931 NE Rocky Butte Rd, Portland, OR, 97220
  • Agape Mortgages Inc George and his team will treat you with the respect as an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you.