In 2026, the FHA loan limit in North-Wildwood county of Cape May, NJ is set at $431,250 for a single-family home. For two-unit homes, the cap is $552,050, while for three-unit properties it is $667,350, and for homes with four units, it reaches $829,350.
The highest possible loan amount for conventional loans on a single-family residence is $548,250. For two-unit homes, the limit is $702,000; for three-unit dwellings, it peaks at $848,500; and for four units, it's $1,054,500.
Use our FHA calculator to uncover today’s most competitive FHA rates and determine the necessary downpayment, income, credit score requirements, reserves, and needed documents for qualification.
Lendersa®'s calculator gives you the tools to compare FHA rates and terms with various other loan programs. Consider analyzing and comparing Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in conjunction with FHA options.
Lendersa® aggregates loan program data from thousands of lenders, optimizing how this data is compared with your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table in North-Wildwood within Cape May, NJ, lets you assess maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money mortgages. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing qualification requirements such as income, reserves, and credit-related aspects.
| 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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