For the year 2026, FHA loan limits in Cape-May county within Cape May, NJ, are as follows: $431,250 for a single-family home, $552,050 for two units, $667,350 for three units, and $829,350 for four units.
The maximum amount for conventional loans on a single-family residence is $548,250. For properties with two units, it's $702,000; three-unit homes can go up to $848,500, and for four-unit dwellings, the cap is $1,054,500.
Our FHA calculator is available to help you check today’s FHA best rates and find out the necessary downpayment, income, credit, reserves, and documentation required for qualification.
Lendersa® calculator facilitates comparison of FHA rates and terms with those of various other loan programs. Investigate Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers loan program data from thousands of lenders, providing rapid assessments aligned with your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Cape-May county, Cape May, NJ, details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $431,250 | $552,050 | $667,350 | $829,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $345,000 | $345,000 | $345,000 | $345,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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