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

In 2025, Convetional loan limit in Halfmoon, 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Halfmoon, 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: 12188, 12065, 12118

Conventional and FHA loan options in Halfmoon, 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


  • Silverton Mortgage
  • 12701 S. John Young Parkway Suite 210, Orlando, FL, 32837
  • Silverton Mortgage is a recognized industry leader within the mortgage community. Our team members recognize that home loans are as diverse as the people who seek them and work closely with borrowers to find the right program to fit their unique needs. We are guided by the strong belief that communication.
  • Hunters Creek Mortgage LLC
  • 14417 Verano Dr, Orlando, FL, 32837
  • At Hunters Creek Mortgage LLC we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Vera Mortgage
  • 637 Neptune Drive, Groveland, FL, 34736
  • "At Vera Mortgage, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. For most Americans purchasing or refinancing a home is the largest investment they will ever make. And it should be treated as such. As a licensed mortgage loan originator & Realtor Broke
  • The Citizens Bank
  • 521 Main Street, Philadelphia, MS, 39350
  • The Citizens Bank of Philadelphia has locations throughout Mississippi, from Starkville to the Gulf Coast. With an emphasis on community banking and banking on the communities we serve, we hope to grow dreams and improve the areas within our footprint. With over a century of service, The Citizens Bank stands on a past of strength and stability
  • Viking Bank, National Association
  • 4277 Dakota Street, Alexandria, MN, 56308
  • Viking Bank, we are proud to be locally owned and operated and are committed to providing a positive banking experience for our customers. We are community bankers and proud of it. Our team of talented and knowledgeable bankers are focused on making the needs of our customers their foremost priority with relationships based
  • Nosari Home Mortgage
  • 1001 Hwy 62 E, Mountain Home, AR, 72653
  • Nosari Home Mortgage, Inc has served the state of Arkansas since 1995 and now Missouri. Nosari Home Mortgage, Inc is now licensed in Missouri, and we are able to provide the best rates and most mortgage programs to our neighbors in Missouri. We have been voted "Best Mortgage Lender" via the annual Best of the Twin Lakes' annual poll since 2014.
  • Dyer Mortgage, a Division of Primary Residential Mortgage, Inc.
  • 10 S Harbor City Blvd, Melbourne, FL, 32901
  • Dyer Mortgage Group was founded by Bobbie Dyer, a Veteran Mortgage Banking professional with over 28 years’ experience. Our philosophy is to give our clients world-class customer service combined with the best rates, terms, and programs to meet their individual needs. We love to serve those who serve our community.
  • Obsidian Financial Services
  • 907E. Strawbridge Ave Suite 101/102, Melbourne, FL, 32901
  • "Obsidian Financial, we are believers in speed without compromising quality which is why we try and get you to speak directly to one of our highly trained Loan Originators. We offer an experience that will set the industry standard, by allowing you to personally know the Loan Originator. "
  • MUNA Federal Credit Union
  • 4400 Highway 39 North, Meridian, MS, 39301
  • Originally, MUNA FCU was chartered in June 1962 as Meridian Naval Federal Credit Union & was for active military, retired military, & civil service Team Members affiliated with the Naval Auxiliary Air Station at Meridian. In October 1993, the name was changed to MUNA Federal Credit Union to reflect the uniting of the Meridian and Navy communities.
  • Citizens National Bank of Meridian
  • 512 22nd Avenue, Meridian, MS, 39301
  • Citizens National Bank is 129 years strong, stable and secure with over $1.3 billion in total assets. As an independent community bank, we believe we have a major advantage over the one-size-fits-all policy of most mega banks and financial institutions. With 26 locations in Mississippi, the latest technology and innovative accounts and services.
  • Westside State Bank
  • 401 First Street, Westside, IA, 51467
  • Westside State Bank first opened the doors of our Westside, Iowa location in 1906. Since those early days, we've been dedicated to offering the conveniences and value of a big bank, while still maintaining the integrity and charm of a community bank — where decisions are made locally and interactions are handled by people you know and trust.