In 2026, the USDA loan ceiling for a single-family residence in Wildwood-Crest, in Cape May county, NJ, is $345,000. In comparison, the FHA loan limit is $431,250.
Utilize the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates today and find out the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding your decision on the best suitable program for your financial circumstances in
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| Type of Loan | Loan Cap | Down Payment |
| USDA | $345,000 | 0% |
| FHA | $431,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to swiftly and easily secure the most advantageous USDA or FHA loan for you. Select from three starting routes that align you with suitable lenders and USDA loan options.
The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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