FHA Loan Limits in Cape May County, New Jersey (2026)
In Cape May County — anchored by Cape May County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Cape May County to the edges of Cape May County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Bergen and Hudson Counties.
Affording a home in Cape May County & Cape May County
With Cape May County's median sale price estimated near $523,000 (think Cape May County), the FHA down payment is roughly $18,305. Factoring New Jersey property taxes near 2.47%, expect about $4,586 monthly, pointing to income near $178,000 — above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Cape May County
FHA payments across Cape May County price points — from entry homes near Cape May County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $377,000 | $13,195 | $3,339 |
| Local median — $523,000 | $18,305 | $4,586 |
| At the FHA limit — $541,287 | $18,945 | $4,743 |
Estimates include FHA MIP plus New Jersey property taxes and insurance. Rates move daily near Cape May County too — get notified.
First-time buyers make up much of FHA activity in Cape May County and across Cape May County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,305 needed on a median Cape May County home.
Multi-unit FHA limits in Cape May County
Cape May County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Cape May County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Cape May County for 2026?
- In Cape May County (Cape May County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Cape May County with FHA?
- For a median-priced ($523,000) Cape May County home, plan on income around $178,000 at a 31% housing ratio — about $4,586/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cape May County?
- 3.5% with a 580+ score — roughly $18,305 on a $523,000 Cape May County-area home. Gift funds are allowed.
- Is Cape May County a high-cost FHA area?
- No — Cape May County uses the $541,287 national floor for one unit.