In 2026, FHA loan limits in Villas county, Cape May, NJ, are set at $548,550 for a single-family home, $702,250 for two units, $848,850 for three units, and $1,054,900 for four units.
The maximum loan limits for conventional loans on a single-family residence are $726,200, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for fourplexes.
Use our FHA calculator to access today’s best FHA rates and assess the downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator enables you to compare the rates and terms of FHA loans with those of other loan programs. Explore and compare Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers data from thousands of lenders and quickly matches it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Villas county, Cape May, NJ, helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications including income, reserves, and credit.
| 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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