In 2026, FHA loan limits in Malta county, Saratoga, NY, are: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-units, and $907,900 for properties with four units.
For conventional lending, the maximum for a single-family home is $726,200. The limits extend to $929,850 for two-units, $1,123,900 for three-units, and $1,396,800 for four-units.
Our FHA calculator can be used to view today's most competitive FHA rates. Calculate your downpayment, assess income, examine credit, manage reserves, and organize necessary documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of additional loan programs. You can explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles extensive loan data from thousands of lenders, efficiently aligning this data to fit your personal financial profile and requirements.
In 2026, the Loan Limits Comparison Table for Malta, located in the county of Saratoga, NY, compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For assessing qualification requirements such as income, reserves, and credit, utilize 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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