For 2025, the FHA loan limits in Wildwood-Crest county, Cape May, NJ are established at $431,250 for a single-family home. Properties with two units have a limit of $552,050, three units reach $667,350, and four-unit residences are capped at $829,350.
The maximum loan amounts for conventional loans on a single-family home are $548,250. For two units, it's $702,000; for three units, the cap is $848,500; and for four units, it is $1,054,500.
Utilize our FHA calculator to find today’s optimal FHA rates and figure out the downpayment, income requirements, credit score, reserves, and documentation necessary to qualify.
The Lendersa® calculator offers a comparison of FHA rates and terms with those of other loan programs. You can analyze Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles data from a wide array of lenders, aiding quick comparisons aligned with your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Wildwood-Crest county, Cape May, NJ, includes maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements 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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