For 2026, FHA loan limits in Cape-May-Court-House, part of Cape May county, NJ, are set at $431,250 for a single-family home. The limits extend to $552,050 for two-unit properties, $667,350 for three-unit residences, and $829,350 for four-unit dwellings.
The maximum loan amount for conventional loans on a single-family residence is $548,250. For buildings with 2, 3, and 4 units, the limits increase to $702,000, $848,500, and $1,054,500, respectively.
Our FHA calculator helps determine today's most favorable FHA rates along with the essential downpayment, income, credit requirements, reserves, and documentation needed for qualification.
The Lendersa® calculator allows comparisons between FHA rates and terms with other loan programs. Consider advantages of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates comprehensive loan program data from a broad spectrum of lenders, tailoring it swiftly to your unique financial profile and individual needs.
Refer to the Loan Limits Comparison Table for 2026 in Cape-May-Court-House, part of Cape May, NJ. This table provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit metrics.
| 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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