FHA VS Conventional loan programs in Waterford, Saratoga County, New York

In the year 2025, the conventional loan limit assigned to Waterford, specifically within the county of Saratoga in NY, stands at $726,200. On the other hand, the FHA loan limit for single-family homes is set at $472,030.

Using the Lendersa® Conventional loan calculator, you can analyze today's Conventional, FHA, and USDA best rates, assessing the required income, credit, reserves, and documentation qualifications. Our advanced mortgage calculator allows you to view Conforming Conventional loans alongside USDA, FHA, and VA programs, enabling you to choose the most suitable one for your financial needs in NY.

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Loan limits and down payment requirements for 2025 in Waterford, county of Saratoga, NY

Loan Type Maximum Limit Minimum Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

These comparisons apply to zip codes: 12188

Explore Conventional and FHA loan avenues in Waterford, NY

The purpose of Lendersa® is to swiftly and efficiently secure the best Conventional, USDA, or FHA loan for you. Begin your journey by choosing one of our three starting options leading to matching lenders and loan programs.

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