Explore the differences! 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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  • 44715 Via Alondra, La Quinta, CA, 92270
  • With over 15 years of experience in the accounting, property management and real estate industries, George has extensive knowledge in multi-family, residential and commercial real estate transactions and asset management. With his unique background, he is able to tailor his services to help each client achieve their goals.
  • Community 1st Credit Union WA
  • 955 Ross Loop, Suite 100, Dupont, WA, 98327
  • At Community 1st Credit Union you’re a member-owner, not a customer. And unlike a bank, you share in the collective earnings through preferred rates, limited fees and advancements in financial services. We’re committed to a community-based service to help ensure a more prosperous future for our families and communities.
  • Pacific Mortgage Exchange, Inc.
  • 73241 Hwy 111, Palm Desert, CA, 92260
  • Pacific Mortgage Exchange, Inc. of Palm Desert, CA has been your devoted hard money lender for over 30+ years! Pacific Mortgage Exchange, Inc.’s reliable hard money loan programs make the process of investment funding fast and convenient and enables clients nationwide with income-producing properties to receive funding.
  • Nationwide Fair Lending
  • 73255 El Paseo, Suite 12, Palm Desert, CA, 92260
  • Nationwide Fair Lending employs an experienced staff, whose sole function is to assure customer satisfaction throughout the entire loan process. Our staff’s commitment to this industry is supported by continued education and development in the latest products. We measure achievement not only in financial terms but also in human terms.
  • Monarch Mortgage
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  • Monarch Mortgage rates are at an all time low, so if you are considering buying a new home, or refinancing - now is the time and Your more than just a number at Monarch Mortgage - get the personal attention you deserve and also Mortgage Products FHA, VA, CONVENTIONAL, JUMBO and USDA
  • Integrity Business Solutions
  • 10110 Canyon Country Rd, Reno, NV, 89521
  • To help individuals and companies reach their goals by providing services that meet their needs. This will be done by creating win - win situations that promote integrity. We value character and experience and believe that everyone is capable of contributing to the value proposition.
  • Heritage Bank of Nevada
  • 2330 South Virginia Street, Reno, NV, 89502
  • Heritage Bank of Nevada was founded in 1995, in Northern Nevada. Today, we have seven branches focusing on the Northern Nevada area located in Reno, Spanish Springs, Carson City and Carson Valley. Our goal has always been to our community's finest small and mid-sized business bank, and our focus has led to success and profitability.
  • Victory Nevada Mortgage LLC
  • 5250 South Virginia St, Suite 360, Reno, NV, 89502
  • Our goal is to deliver the very best mortgage options possible for your specific requirements... no matter the circumstances. To learn more, click on the links to the left. and We are committed to maintaining an effective and efficient organization that is open and responsive to the needs.
  • US Financial, LLC - Mark Lamerdin
  • 1325 Airmotive Way, Suite 175-D, Reno, NV, 89502
  • US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.
  • Mortgage Northwest
  • 507 Hidden Forest Drive, Olympia, WA, 98513
  • We are a full-service mortgage company based in Olympia, WA. We specialize in Refinance, Home Purchase, Loans, and Great Rate Mortgages in Olympia, Lacey, Tumwater, Yelm, Tacoma, Shelton, Centralia, Chehalis, and Dupont. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
  • MLS FUNDING
  • 8640 Martin Way E Suite D, Lacey, WA, 98516
  • MLS Funding is a local and privately owned Mortgage Broker/Bank. We have all the tools and resources of a large bank, but the customer service and flexibility of a small business. We utilize cutting edge technology to facilitate the loan transaction and have an extremely competitive rate and fee structure.
  • KPL Select Mortgage
  • 2583 N. Palm Canyon Dr, Suite 200, Palm Springs, CA, 92262
  • KPL Select Property Management, Inc., is a full service property management company with over 20 years of experience managing residential, commercial and vacation properties throughout Southern California. We specialize in the rental and management of Single Family Homes and Multi Unit Residential properties in the greater Los Angeles Area