In 2026, the FHA loan limits for Whitesboro county, part of Cape May in NJ, are $548,550 for single-family homes, $702,250 for 2-unit properties, $848,850 for those with 3 units, and finally, $1,054,900 for 4-unit structures.
The upper loan limits for conventional loans are stated as $726,200 for a single-family home. For 2-units, the amount is $929,850, $1,123,900 if dealing with 3 units, and $1,396,800 for structures with 4 units.
Utilize our FHA calculator to view the best FHA rates available today and understand requirements such as downpayment, income, credit, reserves, and necessary documentation for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against other loan offerings such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® gathers comprehensive loan program information from thousands of lenders and rapidly compares this data to your specific financial profile and limits.
The Loan Limits Comparison Table for 2026 in Whitesboro within Cape May county, NJ, allows examination of limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification needs like income, reserves, and credit, use 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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