In 2026, the conventional loan limit in Lodi, located in the county of Bergen, NJ, is $1,089,300, whereas for a single-family home, the FHA limit is $1,089,300. These limits are essential to consider when planning your mortgage strategy, helping to ensure that your financing aligns with housing plans.
Use the Lendersa® Conventional loan calculator to explore the top rates today among Conventional, FHA, and USDA loans. Evaluate your income, credit requirements, reserves, and necessary documentation for qualifying. Our advanced mortgage calculator places Conforming Conventional loans alongside USDA, FHA, and VA options in a side-by-side view, guiding you to select the optimal program in NJ for your financial requirements.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
This table applies to the following zip codes: 7644
The mission at Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loan swiftly and without any hassle. Choose from three starting options that help link you with matching lenders and customized loan programs that match your financial needs.
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