In 2026, the FHA loan limits in Wildwood, part of Cape May county, NJ, are $548,550 for a single-family home, $702,250 for duplexes, $848,850 for triplexes, and $1,054,900 for four-unit properties.
For conventional loans, the maximum loan amount on a single-family home is $726,200, with $929,850 for two-unit properties, $1,123,900 for three-unit listings, and $1,396,800 for four-unit dwellings.
Our FHA calculator allows you to view competitive FHA rates and calculate the required downpayment, income, credit, reserves, and documents necessary for qualification.
The Lendersa® calculator helps juxtapose FHA rates and conditions against other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Sourcing data from a multitude of lenders, Lendersa® expedites the comparison to align with your financial profile and unique requirements.
The Loan Limits Comparison Table for 2026 in Wildwood, Cape May, NJ, showcases maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare requirements for 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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