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

In 2025, Convetional loan limit in Charlton, 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 Charlton, 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: 12010, 12019, 12302, 12027, 12020

Conventional and FHA loan options in Charlton, 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


  • Mortgage Help Los Angeles
  • 11901 Santa Monica Blvd Suite 110, Los Angeles, CA, 90025
  • "Bill has substantial experience handling jumbo loans($750,000 – $6,000,000), for both residential and commercial properties, as well as the many, related complex issues. Bill vast resources assure you of finding the best possible rates and terms Alternative Documentation Loans Low Credit Score Refinancing Mortgages
  • Budget Mortgage Group
  • 1849 Sawtelle Blvd., Suite 700, Los Angeles, CA, 90025
  • udget Mortgage Corp and related companies have been serving California over 65 years. Since 1950, the companies have focused on originating high quality real estate loans as a direct lender. The average tenure of each of the managers is over 22 years in the industry. Our primary market is California.
  • Fidelity Mortgage Lenders, Inc.
  • 11952 Wilshire Boulevard, Los Angeles, CA, 90025
  • Fidelity Mortgage Lenders, Inc. has been funding real estate loans in Southern California since 1971. At Fidelity Mortgage Lenders, we base our loan qualifications on the property value, not on the borrowers’ credit. We can fund your next Commercial Real Estate Loans, whether small or large. No Tax Returns, Fast Funding.
  • Dominion Mortgage
  • 1990 S. Bundy Drive, Suite 640, Los Angeles, CA, 90025
  • Dominion Mortgage Corporation is a privately held real estate mortgage lender that finances income-producing commercial and healthcare properties nationwide. Founded in 1977 in West Los Angeles, California, Dominion was formed to provide time-sensitive, fair and creative underwriting solutions to fund your mortgage loan.
  • CoreVest
  • 11601 Wilshire Blvd., Suite 370, Los Angeles, CA, 90025
  • CoreVest is a private lender that specializes in loans to residential real estate investors. We offer long-term loans for stabilized rental properties and portfolios, short-term bridge loans and credit lines for acquisitions, as well as construction financing and build to rent loans.
  • Patch of Land
  • 1964 Westwood Blvd, Suite 350, Los Angeles, CA, 90025
  • Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees.We make it possible to invest and make a good return while also contributing to something good.
  • Parishioners Federal Credit Union
  • 2355 Crenshaw Blvd, Suite 100, Torrance, CA, 90501
  • Since 1961, Parishioners Federal Credit Union has provided its members with greater financial value than they could receive anywhere else. We were founded and chartered thanks to the efforts of Monsignor J. Augustine O'Gorman of St. James Parish in Redondo Beach. He realized that a member-owned financial cooperative would understand.
  • Henry Munoz Real Estate Loans
  • 2430 Torrance Blvd, Suite F, Torrance, CA, 90501
  • Henry Munoz was raised in the Los Angeles County area known as the South Bay.He grew up in Lomita, CA. Served 6 years in the United States Army and also California National Guard as a Medic.Henry attended the Academy of Health Sciences at Ft Sam Houston TX. Henry Munoz is Licensed as a Real Estate Broker by the California Department of Real Estate.
  • Pryority Lending Group
  • 1635 Crenshaw Blvd, Torrance, CA, 90501
  • Stop scams, fraud and unethical business practices targeted at all consumers, especially older adults, via our social platforms and our network of vetted professionals and businesses. We want to ensure consumers also have a reliable, nationwide network of vetted businesses and professionals who they can rely on and purchase from with confidence.
  • C & E Capital
  • 2370 Crenshaw Boulevard, Suite M, Torrance, CA, 90501
  • C & E CAPITAL is a full service Wholesale Mortgage Lender for Commercial, Residential financing. We specialize in Purchases, Refinance, Reverse Mortgages and VA LOANS. Our objective is to help you achieve your goal and choosing the right mortgage for you and your family. Our friendly, experienced team will help you navigate any market.
  • Trec Lending Inc
  • 21171 South Western Avenue, Suite 2824, Torrance, CA, 90501
  • Trec Lending Inc founder of the Raymond A. Bennett specialize in representing clients in the purchase and sale of single-family residences and income property within Carson also Focused on FHA financing which includes First Time Buyer Programs, Reverse Mortgage for seniors, & VA Loans