In 2026, the FHA loan limits in Lodi county of San Joaquin, CA, are $656,650 for a single-family home, $840,650 for 2-units, $1,016,150 for 3-units, and $1,262,800 for 4-units.
The maximum amounts for conventional loans on a single-family residence are $726,200, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to explore today’s best FHA rates and determine the downpayment, income, credit reserves, and the documentation needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those from other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Using data from thousands of lenders, Lendersa® rapidly aligns offerings with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lodi, San Joaquin, CA, shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For criteria such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $656,650 | $840,650 | $1,016,150 | $1,262,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $556,200 | $556,200 | $556,200 | $556,200 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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