In the year 2026, the USDA loan limit for Wildwood, in Cape May County, NJ is set at $391,900, while the FHA limit for a single-family home is $548,550.
To compare the most favorable USDA and FHA rates available today, use the Lendersa® USDA loan calculator. It will help you understand the required income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, view the USDA, FHA, Conforming, and VA options side by side to determine the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $391,900 | 0% |
| FHA | $548,550 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to provide you with an excellent USDA or FHA loan quickly and with ease. Choose one of three starting points to align with matching lenders and USDA loan programs.
A USDA home loan, backed by the United States Department of Agriculture, is commonly known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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