In 2026, FHA loan limits in Milton county of Saratoga, NY, are $472,030 for a single-family home. Limits are $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans on a single-family home is $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to find today’s best FHA rates and see the downpayment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator makes it possible to compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® gathers data from thousands of lenders and quickly aligns it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Milton county, Saratoga, NY, shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For evaluating qualifications like income, reserves, and credit, use 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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