FHA VS Conventional loan programs in 2026 for Ballston-Spa, Saratoga County, New York

In 2026, the conventional loan limit for Ballston-Spa, in Saratoga county, NY, is $647,200, whereas the FHA limit for a single-family home is set at $420,680.

Utilize the Lendersa® Conventional loan calculator to compare the top rates today among Conventional, FHA, and USDA loans. Determine the needed income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA loans side by side, enabling you to decide which program in NY fits your particular financial conditions best.

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2026 Loan Limits and Down Payment Requirements in Ballston-Spa, Saratoga County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table applies to the following zip codes: 12020

Explore Conventional and FHA Loan Options in Ballston-Spa, NY

Lendersa® aims to ensure that you quickly and effortlessly receive the best possible loans—whether Conventional, USDA, or FHA. Choose from three starting options that direct you to matching lenders and desired loan programs.

Lendersa USD loan request matching results


  • Pacific City Financial
  • 9042 Garfield Avenue, Suite 307, Huntington Beach, CA, 92646
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, and mortgages. Michael Robbins, our founder, has 29 years experience in the financial and mortgage lending industry. As a licensed broker and mortgage lending professional

  • RGC Capital Inc
  • 6730 Florence Avenue Suite 101, BELL GARDENS, CA, 90201
  • RGC Capital Inc is a commercial and private money lending firm providing alternative financing for non-bankable clients. Our nationwide lending platform allows financing for residential investment properties and all types of commercial assets.

    With over 35 years of lending experience and over 3000 closed transactions, we have earned a successful

  • Rene Luna Realtor
  • 6730 E. Florence Ave, Bell Gardens, CA, 90201
  • In 2007, one of the toughest times in the Real Estate industry, Rene Luna became a Real Estate Agent. By 2009 Rene had become a Real Estate Broker and had gained much experience both in real estate and in financing. During this time Rene was able to build the skills needed to negotiate for my clients best interests.

  • Diversified Financing solutions
  • 16152 Beach Blvd, Suite 120, Huntington Beach, CA, 92647
  • Unlock your financial potential with Diversified Financing Solutions, spearheaded by Kip Adkins. Our mission is tailored financial strategies to ensure your business thrives. We offer unique, client-focused solutions designed to drive growth and efficiency. Connect with us to elevate your financial future.

  • First Allied Financial
  • 16162 Beach Blvd, Suite 250, Huntington Beach, CA, 92647
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • ACG Lending
  • 16152 Beach Boulevard, Suite 131, Huntington Beach, CA, 92647
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Professionals Mortgage Group
  • 17011 Beach Boulevard, Suite 230, Huntington Beach, CA, 92647
  • At Professionals Mortgage Group. We are a full-service mortgage company based in Huntington Beach, CA. We specialize in Mortgage Loans and Refinance Loans in Huntington Beach, Seal Beach, Fountain Valley, Westminster, Long Beach, and Santa Ana. We also serve the surrounding cities in Orange County.

  • OCRealtorDirect
  • 17011 Beach Blvd, Suite 900, Huntington Beach, CA, 92647
  • OC Realtors to help find your dream home in the city you are looking People are often treated like a statistic when shopping for a mortgage. This creates poor communication & response time, jeopardizing your dream of home ownership. A broker who will treat you like a business partner and guide you through the process is rare.

  • Lendingwide Inc.
  • 16162 Beach Boulevard, Suite 304, Huntington Beach, CA, 92647
  • Lendingwide is a full service lender in providing mortgage banking resources for real estate loans that offers competitive rates in today's market. At Lendingwide, we are committed to provide quality lending products and services that create trust by achieving superior customer satisfaction.

  • Ameristar Capital Mortgage Inc.
  • 7755 Center Ave, 11th Floor, Huntington Beach, CA, 92647
  • Ameristar Capital Mortgage Inc., where we specialize in residential mortgages. At Ameristar Capital Mortgage Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • AMALI Capital Funding Corporation
  • 16785 Beach Boulevard, Suite A, Huntington Beach, CA, 92647
  • Amali Capital Funding is a mortgage brokerage located in Huntington Beach, California. As a wholesale brokerage, we are able to compare rates from big-name lenders such as Quicken Loans, LoanDepot, United Wholesale Mortgage, JMAC, etc. and provide the best market rate to our clients. We also offer many programs for first-time buyers.