In 2026, within the county of Saratoga, Charlton, NY, the Conventional loan limit is $726,200, whereas the FHA limit for a single-family home is $472,030.
Utilize Lendersa®'s Conventional loan calculator to cross-check today's top rates of Conventional, FHA, and USDA loans. Assess the needed income, credit, reserves, and necessary documents for qualification. Our comprehensive mortgage calculator allows side-by-side evaluation of Conforming Conventional loans alongside USDA, FHA, and VA to figure out the ideal program in NY for your financial scenario.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This table applies to the following zip codes: 12010
Lendersa® is committed to quickly connecting you with the best available Conventional, USDA, or FHA loans with ease. Select one of three pathways to find matching lenders and optimal loan programs.
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