As of 2026, 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $683,500 | 0% | |
| FHA | $915,400 | 3.5% | |
| Conventional Conforming | $915,400 | 3% |
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%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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