In 2026, the conventional loan limit for a single-family home in Ocean-City, county of Cape May, NJ, is set at $647,200. In contrast, the FHA limit is $489,900.
The Lendersa® Conventional loan calculator allows you to effectively compare today's most favorable rates among Conventional, FHA, and USDA loans. Evaluate income, credit reserves, and necessary documents for eligibility. Our advanced mortgage calculator displays side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans to guide you in choosing the program that best suits your financial needs in NJ.
Analyze loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $345,000 | 0% |
| FHA | $489,900 | 3.5% |
This comparison applies to the zip codes: 8226
The objective of Lendersa® is to quickly connect you with the best available Conventional, USDA, or FHA loans without hassle. Begin by selecting one of three starting points designed to match you with suitable lenders and loan programs.
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