In 2026, FHA loan limits in Middle county, Cape May, NJ are set at $548,550 for a single-family house, $702,250 for two units, $848,850 for three units, and $1,054,900 for four units.
The conventional loan limits are $726,200 for a single-family home, along with $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit properties.
Use our FHA calculator to find today's top FHA rates and calculate the required down payment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms against other loan programs. Consider options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Using data from thousands of lenders, Lendersa® makes swift comparisons to suit your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Middle, Cape May county, NJ enables you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification standards including income, reserves, and credit requirements, 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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