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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| Loan Type | Loan Limit | Down Payment |
| USDA | $556,200 | 0% |
| FHA | $656,650 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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