As of 2026, the USDA loan cap in Lathrop, located in San Joaquin county, CA, stands at $556,200, whereas the FHA cap for a single-family residence is $656,650.
Utilize Lendersa®'s USDA loan calculator to contrast USDA and FHA rates of today. This tool will also assist in identifying necessary documentation like income, credit score, and reserves for qualification. By using our sophisticated mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans simultaneously to determine which option in
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| Type of Loan | Limit | Down Payment | |
| USDA | $556,200 | 0% | |
| FHA | $656,650 | 3.5% | |
| Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly provide you with the most favorable USDA or FHA loan while minimizing effort on your part. Choose from three paths to connect with the best lenders and USDA programs.
A USDA loan, supported by the U.S. Department of Agriculture, is also known as a USDA mortgage or rural development loan and is applicable only in rural areas. Differing from FHA loans, which require a 3.5% minimum down payment, USDA loans necessitate no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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