In 2026, the limit for a Conventional loan in Lower, located within Cape May county, NJ, is $726,200. The loan limit for an FHA single-family home stands at $548,550.
Utilize the Lendersa® Conventional loan calculator to compare today's top Conventional, FHA, and USDA rates. Determine necessary income, credit status, reserves, and documents required for qualification. Our advanced mortgage calculator provides side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options, aiding your decision on the best program for your specific needs in NJ.
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| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $726,200 | 3% | |
| USDA | $391,900 | 0% | |
| FHA | $548,550 | 3.5% |
This table applies to the following zip codes: 08242
Lendersa® is dedicated to helping you promptly find the best Conventional, USDA, or FHA loans without complexity. Choose one option from the three starting paths to connect with matching lenders and programs.
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