FHA VS Conventional loan programs in 2025 for Ballston, Saratoga County, New York

In 2025, Convetional loan limit in Ballston, county of Saratoga, NY is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ballston, county of Saratoga, NY

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 12019, 12027, 12020

Conventional and FHA loan options in Ballston, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • High Definition Mortgage Inc
  • 8075 South Beneva Road, Unit 6, Sarasota, FL, 34238
  • We are High Definition Mortgage located in Sarasota Florida. We assist potential homeowners and investors in purchasing their perfect Florida property without the hassle. High Definition Mortgage Inc. is a “No Fee” Florida Mortgage Brokerage with its main office in Sarasota, on Florida’s Gulf coast.
  • First National Bank of Kansas
  • 600 N 4th Street, Burlington, KS, 66839
  • First National Bank of Kansas offers the services of a modern financial institution while maintaining the integrity of a community bank where decisions are made locally. First National Bank of Kansas takes pride in having served our community since 1902. Our mission is to meet the needs of the market we serve by providing community leadership.
  • Mortgage 1st Lending LLC
  • 2009 Pickard Lane, North Port, FL, 34286
  • At Mortgage 1st Lending LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • The Piqua State Bank
  • 1356 Xylan Road, Piqua, KS, 66761
  • The Piqua State Bank was organized in 1910 by L. C. Neimann. During that same year the Farmers State Bank was opened in Piqua by George Wille. In 1914, the Wille family purchased the Piqua State Bank and merged the two banks under the name of the Piqua State Bank. John Wille, George Wille’s son, owned and managed the bank for the next 50 years.
  • Three Star Capital
  • 6615 W Boynton Beach Blvd #415, Boynton Beach, FL, 33437
  • 3 Star Capital has over 20 years of experience in the finance industry.With an expertise in commercial real estate acquisitions & refinancing, & equipment leasing & financing.Our portfolio also includes: business lines of credit, & SBA business loans.We started out in 1997 with an expertise in equipment leasing & commercial real estate financing.
  • United Mortgage Advisors, Inc.
  • 5755 Van Camp St, North Port, FL, 34291
  • United Mortgage Advisors is a family owned and operated independent mortgage brokerage serving the state of Florida. We are devoted to offering low rates and fees, along with outstanding customer service, state of the art technology, and quick approvals. Located in North Port, serving the entire state of Florida
  • Ferguson Federal Credit Union
  • 1026 E Broad Street, Monticello, MS, 39654
  • Chartered in 1968 at what was formerly St. Regis (now Georgia Pacific), and operating in a small vacant office, organized as a cooperative to offer better financial services to those employees of the mill. As we grew, we established a stand-alone branch right outside of the mill and were able to offer services to others in the community
  • Dream Coast Mortgage Corporation
  • 2525 Hobblebrush Drive, North Port, FL, 34289
  • At Dream Coast Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.