In 2026, the FHA loan limits for Ocean-City county in Cape May, NJ, are set at $431,250 for a single-family home, $552,050 for two units, $667,350 for three units, and $829,350 for four units.
Conversely, the upper limit for conventional loans on single-family homes is $548,250, for dual units it's $702,000, for buildings with three units, $848,500, and for those with four units, $1,054,500.
Make use of our FHA calculator to find today's competitive FHA rates and analyze the necessary downpayment, income, credit score, reserves, and paperwork required to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms directly with other programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This facilitates a thorough comparison process for informed decision-making.
Lendersa® aggregates comprehensive data from thousands of lenders and quickly matches it to your individual financial profile and needs.
In 2026, the Loan Limits Comparison Table within Ocean-City county in Cape May, NJ, offers an in-depth look at the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria such as income, reserves, and credit.
| 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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