For the year 2026, the FHA loan limits in Northumberland county of Saratoga, NY are designated as $472,030 for single-family homes. For a property containing two units, the limit is $604,400. If you have a three-unit dwelling, the maximum is $730,525, and it's $907,900 for four-unit properties.
The cap for conventional loans is $726,200 for single-family residences, increasing to $929,850 for two units. A three-unit property has a limit of $1,123,900, while four-unit homes have a ceiling of $1,396,800.
Our FHA calculator is an excellent tool to discover today's competitive FHA rates and to assess necessary qualifications like the downpayment, required income, credit score, reserves, and essential documentation.
The Lendersa® calculator facilitates the comparison of FHA rates and conditions with other loan programs. Evaluate options from Conventional, Jumbo, VA, USDA, Non-QM, to hard money loans, alongside FHA.
Lendersa® efficiently gathers program data from a vast network of lenders, allowing quick comparisons tailored to your specific financial profile and needs.
Explore the Loan Limits Comparison Table for 2026 in Northumberland county of Saratoga, NY, showcasing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare factors like income, reserves, and credit requirements.
| 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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