In the year 2026, the FHA loan limits within Ballston county, located in Saratoga, NY, are as follows: $472,030 for a single-family home, $604,400 for properties with 2 units, $730,525 for those with 3 units, and $907,900 for 4-unit residences.
For conventional loans, the top loan amount for a single-family residence is $726,200, rising to $929,850 for 2-units, $1,123,900 for 3-units, and reaching $1,396,800 for 4-units.
To view the current optimal FHA rates and understand required qualifications such as downpayment, income, credit, and reserve requirements, utilize our FHA calculator today.
Through the Lendersa® calculator, you can efficiently compare the rates and terms of FHA loans against all other known loan programs. Discover and weigh options like Conventional, Jumbo, VA, USDA, Non-QM, and even hard money loans alongside FHA.
Lendersa® compiles comprehensive data from thousands of lenders, offering rapid comparisons aligned with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Ballston county, Saratoga, NY will show maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To dive deeper into qualification criteria involving income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
