In 2026, the FHA loan limits for properties in Charlton county of Saratoga, NY are: $472,030 for single-family homes, $604,400 for two-unit buildings, $730,525 for three-unit properties, and $907,900 for four-unit structures.
Conventional loan maximums for a single-family residence are $726,200. For two-unit homes, it's $929,850, for three-unit dwellings it's $1,123,900, and for four units, the cap is $1,396,800.
Our FHA calculator provides today’s top FHA rates and helps you find the necessary down payment, income criteria, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of other loan programs. Assess options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison to FHA.
Lendersa® compiles loan program data from thousands of lenders, offering fast comparisons against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Charlton county of Saratoga, NY presents maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria like income, reserves, and credit, use Lendersa®'s 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 |
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