USDA and FHA Pro and Con in Lodi, San Joaquin County, CA

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 .

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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.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Dakota Community Bank and Trust
  • 1727 State St, Bismarck, ND, 58501
  • Dakota Community Bank & Trust, N.A. is your locally-owned hometown bank. We pride ourselves on our employees and the service they provide. You can expect financial security and personalized service at any one of our 11 locations in South Western North Dakota.
    The word ""community""​ in Dakota Community Bank & Trust, N.A

  • Rise Property Brokers
  • 1010 E Central Ave, Bismarck, ND, 58501
  • Rise Property Brokers believes in Pursuing Higher Values. Our team is dedicated to finding the right commercial or industrial space for you to lease or buy. We have the knowledge, experience, and skills to help with your needs and wants. Our team goes above and beyond client expectations while maintaining the highest levels of honesty, integrity.

  • Vue Community Credit Union
  • 818 E Main Ave, Bismarck, ND, 58501
  • Vue Community Credit Union is a Bismarck-based credit union with world-class service offerings. Our members receive localized service, while also having access to their money from anywhere through credit cards, online transactions, telephone and e-mail correspondence. Vue Community Credit Union's vision is to provide the best financial products.

  • eLendingNow
  • 400 E. Broadway Ave, Suite 303, Bismarck, ND, 58501
  • eLendingNow was established in Bismarck North Dakota in 2001.Since the beginning, eLendingNow has been committed to helping you find the right home mortgage for your needs. We understand that every borrower is different, and we offer a variety of home loans designed to meet your individual situation.

  • America's Home Loans LLC
  • 110 N. 3rd Street, Bismarck, ND, 58501
  • 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

  • GATE CITY BANK
  • 304 E Rosser Ave, Bismarck, ND, 58501
  • Gate City Bank’s privilege to be a hometown bank that provides excellent service that is convenient, friendly, and personalized. We are proud to be the #1 mortgage lender in North Dakota with locally approved and financed home loans. Gate City Bank is also unique in offering our checking customers.

  • Minden Exchange Bank & Trust Company
  • 448 North Minden Avenue, Minden, NE, 68959
  • The Minden Exchange Bank opened for business on September 1, 1883. Establishing themselves as frontrunners in the Minden scene, the founders of the Minden Exchange Bank (Kingsley and Webb) constructed the first brick building in Minden in 1884, locating on a portion of the lots still occupied by the Bank structure.

  • Kirkwood Bank & Trust
  • 2911 North 14th Street, Bismarck, ND, 58503
  • Kirkwood Bank & Trust was chartered by the North Dakota Department of Banking and Financial Institutions in February 1975 as Bank of Kirkwood Plaza. In 1981, Bank of Kirkwood Plaza was sold to a Fargo banker and re-named Dakota Bank & Trust Company. The bank was sold to its present stockholders in 1987 and re-named Kirkwood Bank & Trust.

  • Great Plains National Bank
  • 120 West Jones, Hollis, OK, 73550
  • Great Plains National Bank is a full-service community Bank with branches in Oklahoma and Texas, offering personal Banking solutions designed to meet your financial needs including checking, savings, loan and mortgage services. To exceed our customers’ expectations by delivering superior customer service that will lead Great Plains National Bank.

  • Southwind Bank
  • PO Box 40, Natoma, KS, 67651
  • At Southwind Bank, where you experience banking the way it should be!

    Here we still believe in personal banking relationships. Our customers are more than just a number; they are our neighbors and friends. For generations, we have worked together with our customers to help our communities grow and prosper.

  • Town & Country Bank.
  • 423 Grand Ave, Ravenna, NE, 68869
  • We have been serving the central Nebraska region since 1905. Initially chartered as The State Bank of Poole, the Bank moved its main headquarters to Ravenna, Nebraska in 1932. We currently have offices in the communities of Ravenna, Pleasanton, Kearney and Litchfield. Town & Country Bank is locally owned and managed.

  • The Stock Exchange Bank
  • 1117 Tenth Street, Woodward, OK, 73802
  • The Stock Exchange Bank is a locally owned and operated financial institution. Established in 1903, the bank offers a wide range of products and services. It provides clients various deposits options, including free checking, regular checking, value plus club, value plus gold, money market checking,