FHA VS Conventional loan in Saratoga-Springs, Saratoga County, New York

In 2025, Convetional loan limit in Saratoga-Springs, county of Saratoga, NY is $647,200 while FHA limit is $420,680 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 Saratoga-Springs, county of Saratoga, NY

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 12866

Conventional and FHA loan options in Saratoga-Springs, 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


  • Black Diamond Mortgage Corporation
  • 106 2nd St E, Whitefish, MT, 59937
  • Black Diamond Mortgage Corporation is an original Montana Company providing loans to buy homes and many home loan refinance opportunities. As the Experts in Real Estate Finance, we work with clients to help them buy a home, build a home, lower their monthly payments, shorten the life of their loan, consolidate debt, improve their home
  • Farmers State Bank
  • 103 Main St, Victor, MT, 59875
  • Farmers State Bank offers a full range of banking services to residents and business in Western Montana. Locally owned and founded in 1907, Farmers State Bank is built on a foundation of strong relationships with out communities and their members. Our goal to make your experience with us easy and enjoyable.
  • Town and Country Home Mortgage
  • 347 N Main St, Nephi, UT, 84648
  • Town and Country Home Mortgage We are a locally owned mortgage broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are t broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are the State's experts on the USDA Rural Guarantee.
  • TRAILWEST BANK
  • 11300 US Highway 93 S, Lolo, MT, 59847
  • TrailWest Bank is an FDIC insured, locally-owned, independent bank serving western Montana. For over three decades, we have provided the people and businesses of the Ravalli, Missoula, Mineral, and Flathead Counties with a wide range of secure and dependable financial services—all with a commitment to personal service.
  • Westgate Mortgage LLC
  • 94 West Main Street, Grantsville, UT, 84029
  • Westgate Mortgage are proud to have served the residents of Utah and Nevada since 1997. As a member of the Tooele County community, we have worked to establish a reputation of honesty and reliability. We would never ask our clients or prospective clients to do anything we would also not do and that includes sending social security numbers
  • First New Mexico Bank
  • 300 S Gold Ave, Deming, NM, 88030
  • First New Mexico Bank came to life in Deming in 1962, under its charter name, Deming National Bank. The bank was first located on the corner of Silver Avenue and Pine Street in which Marie's Italian Grill now resides. In November of 1973, the bank moved into a new building at our present location on 300 South Gold Avenue.
  • Timberline Mortgage, Inc
  • 716 South Cove View Rd, Richfield, UT, 84701
  • Timberline Mortgage, Inc. Team is your premier mortgage team located in Richfield, Utah. Timberline Mortgage, Inc. offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Richfield area. Whether you are first time home buyer, purchasing your dream home.
  • CV3 Financial Services
  • 2101 East El Segundo Blvd, Suite 203, El Segundo, CA, 900245
  • CV3 is more than just a lender. We partner with our customers to accelerate real estate opportunities and are invested in your success. We leverage the best technology to eliminate complexity and simplify the loan process. By combining our commitment to elevating your customer experience with our diversified financial strength, we are the capit
  • MacLagan Home Loans
  • 1015 Deerfield Rd, Unit 235, Deerfield, IL, 600125
  • At MacLagan Home Loans, we're more than just mortgage brokers. We're your partners in achieving the dream of homeownership. Our dedicated team of experts goes above and beyond to provide personalized guidance and support throughout the entire loan process. Let us help you secure the financing you need to make your dream home a reality.
  • FixandFlipo.com
  • 4830 West Kennedy Blvd. Suite 600, Tampa, FL, 30330
  • The best, professional and fastest Fix and Flip Loan lender serving nationwide. Call 800-826-5077 now to discuss your Fix and Flip funding requirements. Our terms and rates are the best in the fix and flip industry. We require minimum documents and fast closing the loans. We are serving nationwide.
  • UPS Employees Federal Credit Union
  • 3110-A Inland Empire Blvd, Ontario, CA, 02805
  • UPSEFCU is dedicated to simplifying your life by providing the products, tools and services to manage your money anywhere, anytime. These valuable member services save time and money, and you benefit from the convenience in multiple ways. and also UPSEFCU loans save you time and money while helping you reach important goals in life.