In 2025, the FHA loan cap in Galway, Saratoga county, NY is $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum amount on a single-family residence is $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to explore today’s best FHA rates and ascertain the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Consider and explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans beside FHA offerings.
Lendersa® swiftly gathers loan program data from thousands of lenders, matching it to your financial profile and needs with efficiency.
The Loan Limits Comparison Table for 2025 in Galway, Saratoga county, NY provides insights into maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification criteria such as income, reserves, and credit, use 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 |
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