As of 2026, the FHA loan limit in Saratoga county, situated in Greenfield, NY, is $472,030 for a single-family home, rising to $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum conventional loan amount for a single-family residence is $726,200, with $929,850 for homes having two units, $1,123,900 for three-unit homes, and $1,396,800 for those with four units.
Use our FHA calculator to access today’s top FHA rates, evaluating necessary downpayment, income, credit score, reserves, and documentation to qualify.
Utilize the Lendersa® calculator to compare FHA rates and terms with a range of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles extensive program data from thousands of lenders, rapidly aligning it with your specific financial profile and necessities.
The Loan Limits Comparison Table for 2026 in the county of Saratoga, Greenfield, NY provides comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For an analysis of qualification criteria like income, reserves, and credit, employ 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 |
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