FHA Loan Limits and USDA Eligibility in Cape May County, New Jersey
2026 FHA one-unit limit in Cape May County is $730,250. Two-unit is $934,850, three-unit is $1,130,000, and four-unit is $1,404,350. USDA 502 Guaranteed 1–4 person moderate income is $138,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for New Jersey
New Jersey one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for New Jersey
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EligibleIneligibleUSDA ineligible boundary
Cape May County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 08053 | $730,250 | $141,100 |
| 08202 | $730,250 | $138,800 |
| 08204 | $730,250 | $138,800 |
| 08210 | $730,250 | $138,800 |
| 08212 | $730,250 | $138,800 |
| 08214 | $730,250 | $126,050 |
| 08218 | $730,250 | $126,050 |
| 08219 | $730,250 | $126,050 |
| 08223 | $730,250 | $138,800 |
| 08226 | $730,250 | $138,800 |
| 08230 | $730,250 | $138,800 |
| 08242 | $730,250 | $138,800 |
| 08243 | $730,250 | $138,800 |
| 08245 | $730,250 | $138,800 |
| 08246 | $730,250 | $138,800 |
| 08247 | $730,250 | $138,800 |
| 08248 | $730,250 | $138,800 |
| 08250 | $730,250 | $126,050 |
| 08251 | $730,250 | $138,800 |
| 08252 | $730,250 | $126,050 |
| 08260 | $730,250 | $138,800 |
| 08270 | $730,250 | $126,050 to $138,800 |