USDA Vs. FHA your options comparison in Cape-May-Court-House, Cape May County, NJ
In 2025, the USDA loan limit for Cape-May-Court-House, located in Cape May, NJ is $345,000, while the FHA limit for a single-family home is $431,250.
With the Lendersa® USDA loan calculator, you can compare today’s USDA and FHA rates, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, making it easier to decide which program in suits your financial needs best.
2025 Loan Limits and Down Payment Requirements in Cape-May-Court-House, Cape May, NJ
Loan Type
Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$431,250
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Cape-May-Court-House, NJ
Our goal at Lendersa® is to quickly provide the best USDA or FHA loan for you, hassle-free. Choose one of three starting points to connect with suitable lenders and USDA programs.
The USDA home loan is a government-backed mortgage secured through the Department of Agriculture, also known as a USDA rural development loan, exclusively available in rural areas. FHA loans typically require a minimum of 3.5% down payment, unlike USDA loans which require no down payment.
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