Explore the differences! FHA VS Conventional loan programs in Charlton, Saratoga County, New York

In 2025, 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.

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Charlton, Saratoga County, NY

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, 12019, 12302, 12027, 12020

Conventional and FHA Loan Choices in Charlton, NY

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.

Results from Lendersa's USDA loan requests and matches


  • GPO Federal Credit Union
  • 4311 Middle Settlement Road, New Hartford, NY, 13413
  • GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30, 000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members.
  • First Source Federal Credit Union
  • 4451 Commercial Drive, New Hartford, NY, 13413
  • First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,
  • MoutainOne Bank
  • 93 Main Street, North Adams, MA, 01247
  • MountainOne is dedicated to the local communities we serve, with a mission of delivering solutions of real value that help individuals, businesses, and community institutions manage their financial lives with clarity & confidence. Founded in 1848, MountainOne Bank provides a complete array of personal and business banking and electronic services.
  • Adams Community Bank
  • 2 Center Street, Adams, MA, 01220
  • Adams Community Bank is a responsive, community-focused, mutually owned savings bank providing premier banking services to the people and businesses of the Berkshires. Headquartered in Adams, MA, we have 8 full-service branch locations in Adams, North Adams, Williamstown, Cheshire, Lanesborough, Lenox, and Lee.
  • Pittsfield Co-operative Bank
  • 70 South St, Pittsfield, MA, 01202
  • The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
  • ACCESS Federal Credit Union
  • 6 Franklin Avenue, Clinton, NY, 13323
  • ACCESS Federal Credit Union was chartered in 1947 as the Oneida Limited Employees Federal Credit Union. It was open to employees and their families of Oneida Silversmiths. In June of 1999, we changed our name to ACCESS Federal Credit Union. In August 2000, the National Credit Union Administration (NCUA) approved our request
  • Lee Bank
  • 75 Park Street, Lee, MA, 01238
  • Lee Bank Our vision is to remain an independent full service bank, provide premier financial services, and deliver a level of customer service that is superior to any other business you may deal with. Because of our independence, we make all our decisions locally, and offer flexible products and services to meet your specific needs
  • AmeriCU Credit Union
  • 1916 Black River Blvd N, Rome, NY, 13440
  • AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 127, 000 members and more than $1.5 billion in assets.
  • Ulster Federal Credit Union
  • 127 Schwenk Drive, Kingston, NY, 12401
  • Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
  • Ulster Savings Bank
  • 180 Schwenk Drive, Kingston, NY, 12401
  • Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
  • NeighborWorks of Western Vermont
  • 110 Marble Street, West Rutland, VT, 05777
  • NeighborWorks of Western Vermont, we are all things home. We work to help Vermonters become educated about finances and homeownership, find homes to purchase, get the loans they need to buy homes, and renovate their existing homes to make them healthy, safe, and affordable. We believe that homeownership and connected neighborhoods support people.