In 2026, the maximum amount allowed for a Conventional loan in Halfmoon, which is in the county of Saratoga, NY, stands at $726,200. On the other hand, the limit for an FHA loan on a single-family house is $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate today's most advantageous rates for Conventional versus FHA and USDA loans, identifying the income, credit, reserves, and documentation needed for qualification. With our sophisticated mortgage calculator, you can compare Conforming Conventional loans alongside USDA, FHA, and VA options, helping determine which program in NY is suitable for your unique financial status.
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| Loan Category | Allowable Limit | Minimum Down payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
The table information is applicable to zip codes: 12188
The objective of Lendersa® is to quickly and effortlessly offer you the best possible options for Conventional, USDA, or FHA loans. You can start by choosing from three approaches that align you with suitable lenders and programs.
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