In 2026, the limit for a Conventional loan in Cape-May, located within Cape May county, NJ, is $647,200. Meanwhile, the FHA loan limit for a single-family home is $489,900.
Utilize the Lendersa® Conventional loan calculator to evaluate the best rates today among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator offers a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA options, helping you select the best-suited program in NJ for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $345,000 | 0% |
| FHA | $489,900 | 3.5% |
This comparison table applies to zip codes: 8204
The goal of Lendersa® is to facilitate the fastest possible acquisition of the best Conventional, USDA, or FHA loans with minimal hassle. Select from one of three methods to connect with suitable lenders and loan programs.
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