In 2026, the conventional loan limit in Saratoga-Springs, within the county of Saratoga, NY, is $647,200. The FHA limit for a single-family home is $420,680.
The Lendersa® Conventional loan calculator allows you to compare the best current rates across Conventional, FHA, and USDA loans. It helps determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, assisting you in deciding which program suits your financial situation in NY best.
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| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $647,200 | 3% | |
| USDA | $285,000 | 0% | |
| FHA | $420,680 | 3.5% |
This table is applicable to zip codes: 12866
Lendersa® aims to secure the best possible Conventional, USDA, or FHA loan for you quickly and without difficulty. Choose from one of three starting points, leading to matching lenders and loan programs.
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