For the year 2026, the FHA loan limits set in Ballston-Spa county, within Saratoga, NY, are as follows: $356,362 for a single-family home, $456,275 for 2-unit properties, $551,500 for 3-unit residences, and $685,400 for those with 4-units.
The maximum loan amounts available through conventional loans are $548,250 for single-family homes, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for fourplexes.
Use our FHA calculator to check today’s leading FHA rates, and determine the necessary downpayment along with requirements for income, credit, reserves, and any documents needed to qualify.
The Lendersa® calculator allows for easy comparison between the rate and terms of FHA loans and all other loan programs. You can explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Using data aggregated from thousands of lenders, Lendersa® rapidly matches this information against your unique financial needs and profile for accurate comparisons.
In 2026, the Loan Limits Comparison Table for Ballston-Spa, Saratoga, NY provides insight into the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification needs such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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 |
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