In 2026, the conventional loan limit in Malta, within Saratoga county, NY, is $726,200, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare current rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you see Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision for the best program in NY to fit your financial needs.
Examine offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
Applies to zip codes: 12019
Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Choose one of three starting options that result in matched lenders and loan programs.
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