In 2026, the USDA loan limit for Lodi in San Joaquin County, CA is set at $556,200. Meanwhile, the FHA loan limit is $656,650 for a single-family home.
Utilize the Lendersa® USDA loan calculator to contrast today's top rates for USDA versus FHA loans and determine the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Lodi, San Joaquin, CA
Loan Type
Loan Limit
Down Payment
USDA
$556,200
0%
FHA
$656,650
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Alternatives in Lodi, CA
Lendersa® aims to provide you with the best possible USDA or FHA loan quickly and with minimal hassle. Choose one of three starting options to find matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgage loans have no down payment requirement.
"At www.GsmLoans.com, you can find information on different Loan Programs and find the best loan for you. Also find information on local schools, weather, links and other resources for the Lodi area and its surrounding communities.
Our team at Golden State Mortgage, Inc. can assist you with a variety of real estate services,"
We have been helping home owners, investors and commercial property owners since 1984. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate and real estate loans to our clients while providing them with the lowest interest rates and closing costs possible.
My 1st Choice Mortgage is committed to our clients and guarantee the best experience possible and will answer all of your questions and walk you through each step of the way! We make everything transparent from start to finish, our job is to make this process as simple and clear as possible while most importantly, getting you the best deal!
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Stockton Mortgage R.E.L.S.C. is the original Team of local experts for real estate loans. We strive to support our communities through easy to understand home loans, construction financing, and more! Mortgages are processed in a family friendly, yet boutique business atmosphere. 40 years Local & Now Online to Connect.
4600 N. Pershing Ave, Suite B, Stockton, CA, 95207
Lends in California
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
5713 N. Pershing Avenue, Suite D2, Stockton, CA, 95207
Lends in California
We are a full-service mortgage company based in Stockton, CA. We specialize in FHA, VA, Conventional, USDA & JUMBO loans in Lodi, Linden, Patterson and Sonora. We also serve the surrounding cities in San Joaquin County, Stanislaus County, Madera County. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
4550 North Pershing Avenue, Suite 7, Stockton, CA, 95207
Lends in California
Our team at Valley Capital Realty is here to guide you through the Central Valley's treasure trove of real estate opportunities. After all, we're passionate for what we do and are proud to share that passion with such an amazing community. From decades of experience and unparalleled market knowledge to refined negotiating skills
1330 W Robinhood Dr, Suite a 13, Stockton, CA, 95207
Lends in California
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rates. Whether it is your first home or an investment property we offer a wide range of financing options designed to meet your unique needs.
