During 2026, the FHA loan limit for properties in Lower, located within the county of Cape May, NJ, is as follows: $548,550 for single-family homes, $702,250 for duplexes, $848,850 for homes with three units, and $1,054,900 for properties with four units.
The maximum permissible loan amounts for conventional loans are $726,200 for a single-family residence, $929,850 for two-unit homes, $1,123,900 for three-unit residences, and $1,396,800 for properties with four units.
Leverage our FHA calculator to uncover today's top FHA rates and identify the necessary down payment, income verification requirements, credit scores, reserves, and documents needed for qualification.
The Lendersa® calculator empowers you to compare FHA interest rates and terms alongside those from other loan programs. Explore and contrast the terms of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® collects extensive loan program data from multiple lenders and provides rapid comparisons tailored to your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Lower, within Cape May county of NJ, facilitates the comparison of maximum loan amounts across various types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To better understand qualification criteria like income, reserves, and credit history, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $548,550 | $702,250 | $848,850 | $1,054,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $391,900 | $391,900 | $391,900 | $391,900 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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