USDA and FHA Pro and Con in Pacific-Grove, Monterey County, CA
As of 2025, the USDA loan limit in Pacific-Grove, located in the county of Monterey, CA, is $591,500. Conversely, the FHA limit for a single-family home in this region is set at $739,450.
Utilize the Lendersa® USDA loan calculator to compare the most competitive rates between USDA and FHA loans today. It assists in determining the necessary income, credit status, reserves, and required documentation for qualification. Our advanced mortgage calculator allows a parallel view of USDA, FHA, Conforming, and VA loans to help you choose the best program for your individual financial requirements, particularly if you're in .
Loan limits and down payment requirements for 2025 in Pacific-Grove, Monterey, CA
Loan Type
Loan Limit
Down Payment
USDA
$591,500
0%
FHA
$739,450
3.5%
Conventional Conforming
$739,450
3%
Options for USDA and FHA loans in Pacific-Grove, CA
Lendersa® aims to expedite your acquisition of the most suitable USDA or FHA loan, swiftly and without complications. Commence your journey by selecting from one of three initial options that link you to matching lenders and USDA loan schemes.
The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is specifically available in rural areas. Distinct from FHA loans—which necessitate a minimum 3.5% down payment—the USDA mortgage demands no down payment, offering a significant advantage to individuals purchasing in designated rural locations.
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.
Our goal at Oak City is to "wow" each of our clients. This means going above and beyond the norm to make each client so happy that he'll tell everyone about it. We also believe attitude is everything, and a positive attitude goes a long way in providing excellent customer service.
Advantage Lending is a continuously evolving mortgage lender committed to customer education & transparency. As a full service mortgage banker we handle the processing underwriting & funding of your loan in-house. This level of control over the entire mortgage application & approval process translates to simplicity
8522 Six Forks Road, Suite 201, Raleigh, NC, 27615
ADRMortgage.com, as a company and individually, have a perfect better business bureau record. While we can't deny that mistakes happen, we employ a 2-person approach to ensuring a smooth closing for your primary (as well as second and investor) home. We have closed over $100, 000, 000 in mortgage loans since 2005 and have 0 BBB complaints.
9350 Falls of Neuse Road, Suite 103, Raleigh, NC, 27615
"At Triangle Lending Group, Inc., you will find an experienced team of professionals dedicated to making your home-financing transaction a remarkable experience.
Triangle Lending Group was established in 2004. We’re a locally owned and operated firm that truly puts our clients first.
7100 Six Forks Road, Suite 335, Raleigh, NC, 27615
LYNK Capital, mortgage lending is in our blood. In fact, we have decades of experience in this business, with members of our team having either owned or held senior positions in numerous mortgage companies, banks, title companies, and other real estate businesses. We’ve also been property investors ourselves.
8414 Falls of Neuse Rd, Suite 202, Raleigh, NC, 27615
Raleigh Mortgage Group, Inc (RMG) is a licensed Mortgage Broker providing financing for properties located in North Carolina.We have been right here on Six Forks Road in Raleigh since 2001.RMG has survived the economic downturn and is up to date and in compliance with all aspects of the recent mortgage reforms & remains locally owned and operated.
1526 Commercial Park Dr Ste 4, Lakeland, FL, 33801
Success Mortgage Partners, Inc. was founded in May, 2002, by Vincent N. Lee and Owen V. Lee, Esq. The purpose of founding SMP was to create a company applying the various lessons that each had learned in their respective real estate careers. The two owners wanted to seriously grow the mortgage company
"LandMark Mortgage is a small team of mortgage professionals who understand not only how to get you approved for your mortgage—but also how the mortgage you choose affects your overall financial future.
We treat your mortgage like any other investment, helping you find the right loan for your family’s individual financial situation, need"
204 East Orange Street, Suite 200, Lakeland, FL, 33801
Farm Credit of Central Florida is part of the Farm Credit System, a nationwide network of agricultural and rural lending institutions cooperatively owned by their borrowers. Farm Credit helps maintain and improve the quality of life in rural America and on the farm, through its constant commitment to competitive lending with its customers.
