For 2026, the USDA loan cap for a single-family home in North-Cape-May, belonging to Cape May county in NJ, is marked at $345,000, whereas the FHA limit is $431,250.
Leverage the Lendersa® USDA loan calculator to assess today's preferential USDA versus FHA rates. This tool helps you identify the necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding you in selecting the best financial plan for your needs in
Examine loan options from 100 different lenders
| Loan Type | Loan Limit | Down Payment | |
| USDA | $345,000 | 0% | |
| FHA | $431,250 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s primary focus is to swiftly secure you the most suitable USDA or FHA loan with minimal stress. Begin by choosing one of three pathways that lead to matching lenders and relevant USDA loan programs.
USDA loans, secured by the U.S. Department of Agriculture, are exclusive to rural areas. Known as USDA rural development loans or USDA mortgages, they don’t require a down payment, in contrast to FHA loans which mandate 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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