FHA VS Conventional loan in Rio-Grande, Cape May County, New Jersey
In 2026, the Conventional loan limit for Rio-Grande, located in the county of Cape May, NJ, is $647,200, while the limit for an FHA loan is $489,900 for a single-family home.
Utilize the Lendersa® Conventional loan calculator to compare the top rates available today for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can view Conforming Conventional loans alongside USDA, FHA, and VA options, helping you decide which program best fits your financial situation in NJ.
2026 Loan Limits and Down Payment Requirements in Rio-Grande, Cape May, NJ
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$345,000
0%
FHA
$489,900
3.5%
The table is applicable to zip codes: 8242
Conventional and FHA Loan Options in Rio-Grande, NJ
The mission of Lendersa® is to help you secure the best possible Conventional, USDA, or FHA loan quickly and conveniently. Start by choosing one of three routes to connect with matched lenders and loan programs.
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