For the year 2026, the USDA loan limit for Cape-May in Cape May County, NJ is set at $345,000, compared to the FHA limit of $431,250 for single-family homes.
The Lendersa® USDA loan calculator allows you to compare today's top USDA and FHA rates. It provides insights into income, credit, reserves, and documents necessary for qualification. Our advanced calculator showcases USDA, FHA, Conforming, and VA options side by side, aiding in identifying the right choice for your financial needs in
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| Loan Type | Loan Limit | Down payment |
| USDA | $345,000 | 0% |
| FHA | $431,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to connect you with the finest USDA or FHA loans both quickly and easily. Start with one of three paths to match lenders to USDA loan offerings.
A USDA home loan is government-backed through the Department of Agriculture, also known as a USDA rural development loan or mortgage. It’s available exclusively in rural areas and does not require a down payment, unlike FHA loans, which require at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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