For 2026, the FHA loan limits in Halfmoon county of Saratoga, NY are set at $472,030 for a single-family home, with limits of $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The highest conventional loan amount for a single-family residence is $726,200, increasing to $929,850 for two-unit homes, $1,123,900 for three-unit buildings, and $1,396,800 for four units.
Leverage our FHA calculator to discover today’s optimal FHA rates and determine necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those from other loan varieties, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Investigate these options thoroughly.
Lendersa® utilizes data acquired from thousands of lenders to rapidly align loan options with your financial profile and requirements.
In 2026, the Loan Limits Comparison Table for Halfmoon county of Saratoga, NY shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications like income, reserves, and credit.
| 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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