For 2026 in Middle, Cape May, NJ, the USDA loan limit stands at $391,900, whereas the FHA limit for a single-family home is $548,550.
Our Lendersa® USDA loan calculator allows you to compare the best rates from USDA vs. FHA to see what's needed in terms of income, credit, reserves, and documentation to qualify. This advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, helping you select the best program for your financial requirements in .
2026 Loan Limits and Downpayment Requirements in Middle, Cape May, NJ
Loan Type
Loan Limit
Downpayment
USDA
$391,900
0%
FHA
$548,550
3.5%
Conventional Conforming
$726,200
3%
Loan Opportunities with USDA and FHA in Middle, NJ
Lendersa® aims to efficiently help you find the best USDA or FHA loan without unnecessary stress. Start with one of three methods to match you with lenders and USDA loan offerings.
The USDA home loan is a government-backed mortgage, also known as a USDA rural development loan, targeted at rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages require no down payment at all.
We are one of the only few locally owned mortgage brokers in New Mexico. We are passionate over our clients, to us, it’s more than just buying a house, it’s a home, where lasting memories will be made. Our goal and motto is to turn our clients into friends and neighbors with our service, care and expertise.
We are the Credit Union for BNSF Employees and their Families. We understand your life is constantly on the tracks, so we make it easy on you to open an account, apply for a loan, and get access your funds. We have been serving BNSF Employees since 1955. We are a closed member Credit Union, that means not just anyone can join.
It is the mission of Delta County Federal Credit Union to offer products and services which meet the financial needs of our present and future members. DCFCU will strive to ensure long-term financial stability by providing products and services in a manner consistent with high standards of quality, at the fairest price.
In 1998 the only independent bank in Riverton, was sold to a large national bank, which left a void in banking services in Fremont County. Kent Shurtleff and several local business people recognized the county’s financial needs and the opportunity to form a local community bank that would be owned and managed by people living in Fremont County
Cuba Credit Union was charted in 1972 as a school-based credit union including Cuba Independent Schools and Jemez Mountain Schools. Over the years, there have been several managers and volunteers elected by the membership. These Managers and Volunteers set the foundation for the Credit Union we have today.
Bank of the San Juans began in 1998 as a start-up with Durango community investors. Over the ensuing two decades, the bank has grown into a robust organization across Colorado, with 20 locations in 14 communities and 200+ employees. In 2008, the bank joined the Glacier family of banks and operates.
At Sinberg Capital Lending we understand the needs and goals of each of our clients. We work directly with clients and real estate professionals to provide comprehensive mortgage solutions for today’s real estate markets. Established in 2007, Sinberg Capital Lending offers a complete portfolio of loan products at highly competitive rates.
Animas Mountain Mortgage is a trusted local mortgage company. For 20+ years, the founder Peter Pritchard has been bringing people’s dream of homeownership to life while providing local, in-house processing and underwriting on every individual loan. Peter has closed thousands of loans throughout his career,
It is First State Bank’s mission to provide the highest level of customer satisfaction, and personalized financial solutions through knowledgeable team members, efficient teamwork, and technological advancements while striving for innovative and creative ways to improve procedures and implement products.
OFCU is your one stop shop for all your financial needs. Auto Loans, Mortgage Loans, Personal Loans, Credit Cards. We also have your basic needs Savings, FREE Checking, FREE Debit Card. Otero Federal Credit Union has been open since 1953. It's the 10th largest credit union in New Mexico with assets totaling $429.4 Million.
The membership was open to school employees in Otero County, employees of the credit union and members of the immediate families. A teacher from Ruidoso asked to join the credit union so the by-laws were amended to include the Lincoln County Schools into the field of membership in 1965. Charles Southard named the credit union L.O.C.O.
