FHA VS Conventional loan programs in 2025 for Wildwood, Cape May County, New Jersey

For 2025, the conventional loan limit for a single-family home in Wildwood, within Cape May county, NJ, is $726,200, while the FHA limit stands at $548,550.

Utilize the Lendersa® Conventional loan calculator to compare the best rates available today for Conventional, FHA, and USDA loans, assessing the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side, providing clarity on the ideal program for your financial situation in NJ.

See offers from 100 top lenders

Loan Limits and Down Payment Requirements in Wildwood, Cape May County, NJ for 2025

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $391,900 0%
FHA $548,550 3.5%

The comparison table applies to these zip codes: 8260

Options for Conventional and FHA Loans in Wildwood, NJ

At Lendersa®, our aim is to quickly and effortlessly help you secure the best Conventional, USDA, or FHA loan. Begin with one of three starting options that lead to matches with suitable lenders and loan programs.

Lendersa's USDA loan request and results


  • Guadalupe Bank
  • 1309 Bandera Hwy, Kerrville, TX, 78028
  • Guadalupe Bank was built by locals, for locals. We pride ourselves on the fact that our decisions are made locally by people who live in our community, value relationships with our customers, and genuinely understand local needs. We have a commitment to every single customer and to the people and small business owners in our community.
  • US Mortgage Lenders
  • 230 Castle Pines, Kerrville, TX, 78028
  • US Mortgage Lenders, I not only have access to leading national lenders, but I have access to funding sources not readily advertised, with lenders you wouldn’t think to look for. Undoubtedly, I can find more competitive mortgage rates than banks and other traditional mortgage firms.
  • Air Force Federal Credit Union
  • 1560 Cable Ranch Road, Suite 200, San Antonio, TX, 78245
  • AFFCU (Air Force Federal Credit Union) is a full-service financial organization based in San Antonio, Texas. We offer banking products including savings, checking, money market accounts, certificate accounts, and more. We also provide auto loans, personal loans, mortgage loans, home equity loans, Visa credit cards, and more.
  • Blue Ribbon Mortgage and Investments
  • 2025 Jackson Blvd, Rapid City, SD, 57702
  • Blue Ribbon Mortgage and Investments. We are located in Rapid City, SD, but can help you with your home loan anywhere in the Black Hills. We are not only licensed in the Black Hills but anywhere in South Dakota, North Dakota, Wyoming, Montana & Colorado. We provide Purchase or Refinance Lending.
  • Aceland Mortgage LLC
  • 151 Calle San Francisco, San Juan, PR, 00901
  • Aceland Mortgage LLC, (formerly known as Aceltis Financial Group, Inc.) is a mortgage company dedicated to providing our clients with the latest mortgage products at competitive rates with unparalleled knowledge and support. Our team has been working in the front lines of the mortgage space for almost 20 years,
  • Happy State Bank
  • 100 E Main St, Happy, TX, 79042
  • Happy State Bank began in 1908 in Happy, TX. While we’ve grown in size, locations, & assets, we like to keep the feel of a small-town Bank where everyone knows your name. Our core values are embedded in everything we do. You’ll notice these in our communications, in the way we serve our customers & communities & in the attitudes of our employees.
  • HomeSource Mortgage
  • 5850 S Staples St, Corpus Christi, TX, 78413
  • HomeSource Mortgage opened its doors in April 2015 and has quickly become known as “The source of ALL Your Mortgage Needs.” HomeSource Mortgage’s business model is based upon excellent communication and that is something Claudia strives for every time someone walks through the door. Claudia doesn’t believe that our job is simply to “generate loans”
  • Third Coast Home Loans, LLC
  • 5337 Yorktown Blvd, Suite 303, Corpus Christi, TX, 78413
  • Third Coast Home Loans, LLC is committed to helping you find the right mortgage product for your residential purchase, refinance, or permanent-to-construction financing. Our mission is simple: To present the best possible real estate advice and mortgage solutions by maintaining our commitment to quality loan files and outstanding customer service.
  • Co/LAB Lending
  • 1666 Av. Juan Ponce de León, San Juan, PR, 00909
  • Co/LAB Lending is a mortgage broker that’s committed to superior customer service and ultimate client satisfaction. Whether you’re a first-time home buyer or refinancing your fourth investment property, our job is to guide our clients through the entire mortgage process from application to closing and beyond.
  • Preferred Mortgage PR
  • Avenue Roosevelt, Suite 307, San Juan, PR, 00918
  • Preferred Mortgage -Is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you.
  • RF MORTGAGE & INVESTMENT CORP
  • 1148 Fd Roosevelt Ave, San Juan, PR, 00920
  • At RF Mortgage we are committed to offering our clients a personalized service. Our goal is to guide & offer our customers the best alternati goes on the market. This service has been the foundation of our success, causing our satisfied clients to be the best advertisement, constantly referring us to friends & family to help their mortgage needs.
  • Trust Mortgage
  • 490 Ave. José de Diego, San Juan, PR, 00923
  • Trust Mortgage Corp. is a large family and a capable team that unites with a philosophy of business principles, ethics, laws and morals fungen like Banco Hipotecario to serve the people of Puerto Rico. President Marisol Ortiz is the owner and president of mortgage banks, owns real estate in Bienes Raíces and has more than 25 years of experience.