What is the 2026 conforming loan limit in Monterey County?

The 2026 one-unit conforming loan limit in Monterey County is $994,750. Amounts above it are financed as jumbo loans, which we also offer.

Do you offer FHA loans in Monterey County?

Yes. The 2026 FHA limit in Monterey County is $994,750 for a single-family home, so FHA financing with as little as 3.5% down is available across the county.

Do you serve both the Peninsula and the Salinas Valley?

Yes — we work with buyers throughout Monterey County, from Monterey, Pacific Grove and Seaside on the Peninsula to Salinas, Marina and Soledad in the valley.

California

Monterey & Salinas Mortgage Lender

Monterey County ranges from the premium Monterey Peninsula to the more affordable Salinas Valley, and its 2026 mid-tier loan limit reflects that spread. Whether you're buying near the coast or in the valley, we help you match financing to the market and get pre-approved quickly.

2026 loan limits · Monterey County

$994,750

Conforming (1-unit)

$994,750

FHA (1-unit)

Loan amounts above $994,750 are financed as jumbo loans, which we also offer.

Programs available here

FHA loans VA loans Conventional loans Jumbo loans First-time buyer Refinance

Areas we serve

Monterey & Salinas · Salinas · Seaside · Marina · Pacific Grove · Soledad

Frequently asked questions

What is the 2026 conforming loan limit in Monterey County?: The 2026 one-unit conforming loan limit in Monterey County is $994,750. Amounts above it are financed as jumbo loans, which we also offer.
Do you offer FHA loans in Monterey County?: Yes. The 2026 FHA limit in Monterey County is $994,750 for a single-family home, so FHA financing with as little as 3.5% down is available across the county.
Do you serve both the Peninsula and the Salinas Valley?: Yes — we work with buyers throughout Monterey County, from Monterey, Pacific Grove and Seaside on the Peninsula to Salinas, Marina and Soledad in the valley.

Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.