FHA Loan Limits for Halfmoon, Saratoga County, NY in 2023

In 2025, FHA loan limit in Halfmoon county of Saratoga, New York is $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.

The maximum loan amount of conventional loans on a single-family residence is $726,200, $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.

Use our FHA calculator to see today’s FHA best rates and determine the downpayment, Income, credit, reserves, and documents needed to qualify.

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Loan Limits Comparison Table for 2025 in Halfmoon county of Saratoga, New York compare FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare qualification requirements such as Income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™)

Loan limits Halfmoon county of Saratoga, NY

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


  • MGN Funding Corp
  • 115-01 Lefferts Blvd, South Ozone Park, NY, 11420
  • At MGN Funding Corp, we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use ""common sense"" and will help you obtain the best loan possible. We represent a wide range of ""A"" rated lenders with first quality rates to private ""hardship"" lenders
  • Lamar M. Collins, CMPS
  • 197 Ralph Avenue, Ground Floor, Brooklyn, NY, 11233
  • Our mission is to serve our customers with honesty, integrity & competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates & closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. All loans arranged with third party providers.
  • GCT Mortgage Brokers LLC
  • 253 Ralph Avenue, Suite 100, Brooklyn, NY, 11233
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Fellowship Home Loans
  • 100 Merrick Rd, Suite 516E, Rockville Centre, NY, 11570
  • FHL staff have been in the radio and mortgage industry for more than ten years now and have worked hard to build a positive relationship not only with our clients, but with everyone in the community they serve. We pride our on always doing the right thing for our clients and those that follow us on the radio.
  • NRF Funding Corp
  • 53 North Park Avenue, Store 104, Rockville Centre, NY, 11570
  • NRF Funding, Corp. has incredible mortgage loan programs with low rates for homeowners. With a portfolio of thousands of different loan programs to choose from, our loan specialists can help you obtain the right loan whatever your financial objectives may be. Our policy is to have one loan specialist dedicated to your needs
  • Prudential Borrowing LLC
  • 450 Sunrise Highway, Rockville Centre, NY, 11570
  • Prudential Borrowing specializes in Home Refinance, Reverse Mortgages, Home Purchases, Commercial Lending and Stated Loans. We at Prudential Borrowing strive to build lasting relationships with our clients and do our best to make it a smooth experience throughout the loan process.
  • JET DIRECT MORTGAGE
  • 111 W MAIN ST, BAY SHORE, NY, 11706
  • We have built a strong reputation as an outstanding Mortgage Lender, serving the needs of real estate professionals, builders and individual homebuyers throughout the country since 2001. We're a full service Mortgage Lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction
  • The Mortgage Outlet New York
  • 280 West Main Street, Sayville, NY, 11782
  • The Mortgage Outlet has originated over $500 million in mortgage loans. We are family owned and operated and have been at the same location, in Sayville. Our philosophy is plain and simple; a satisfied client is our best form of advertising. We provide competitive mortgage products combined with superior customer service