As of 2025, the USDA loan limit in Pajaro within Monterey county, CA, is set at $683,500, while the FHA limit for a single-family home is $915,400.
Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA best rates. Assess income, credit, reserves, and the necessary documents needed for qualification. Our advanced mortgage calculator allows you to simultaneously view USDA, FHA, Conforming, and VA options, aiding in selecting the best program for your financial needs in .
2025 Loan Limits and Requirements for Downpayments in Pajaro, Monterey, CA
Loan Type
Loan Limit
Down Payment
USDA
$683,500
0%
FHA
$915,400
3.5%
Conventional Conforming
$915,400
3%
USDA and FHA Loan Paths in Pajaro, CA
The primary aim of Lendersa® is to secure the most appropriate USDA or FHA loan for you swiftly and efficiently. Choose from three starting points that lead to matching with lenders offering USDA loans.
The USDA home loan, alternatively referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture. Meant exclusively for rural areas, this loan differs from FHA loans by not requiring any down payment, in contrast to the FHA’s minimum of 3.5%.
Platinum Capital Mortgage & Real Estate, Inc. is a full service Mortgage & Real Estate Brokerage located in Salinas, California in beautiful Monterey County. We provide Mortgage & Real Estate Broker services for residential properties, Commercial properties, Commercial loans, Construction loans, Construction to Permanent loans, Residential Lot loan
451 Los Gatos Boulevard, Suite 104, Los Gatos, CA, 95032
"We are a group of experienced, dedicated professionals who are premier providers of mortgage loan financing for home buyers and home loan borrowers based in Silicon Valley, about 45 minutes south of San Francisco, California.
We offer the assistance you need to help in all of your mortgage endeavors.
455 Los Gatos Boulevard, Suite 100, Los Gatos, CA, 95032
"Mark is an Experienced and Top Producing Loan Agent based in Los Gatos but serving homeowners throughout California since 2003.
Expert Advice. Responsive Service. Fast Turn Times. Expansive Product Selection. Great Rates.
Home Refinance, Purchase, FHA, VA, Home Equity, Debt Consolidation.
Westside Mortgage is a boutique mortgage brokerage located in Los Gatos, California. The company was founded by Eric Cutting in 1994, and has originated and closed over 1.5 Billion in mortgage loans. The business relies solely on referrals from prior clients, and specializes in Purchase, Refinance, Equity and Private Lending.
Founded in 1987, Loanco is a real estate finance company active since the late 1980’s. Our staff is comprised of talented and accomplished individuals. We offer one to four unit residential mortgage loans and commercial real estate loans. We have over 70 years industry experience to put to work for our clients.
455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.
Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.
Century Oak Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.
Nadim Aziz is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you.
"We transform the way people apply for home loans. We give truly financial mortgage freedom to borrowers like you. You are now able to fully customize home loans in the way you want.
We are always finding innovative ways to empower consumers to get better better real estate goals."
