For 2025, the FHA loan limits in Franklin county of Saranac-Lake, NY stand as follows: $356,362 for single-family homes, $456,275 for duplexes, $551,500 for triplexes, and $685,400 for four-unit buildings.
Regarding conventional loans, the cap for a single-family property is $548,250. For duplexes, it's $702,000, for triplexes, $848,500, and for four units, $1,054,500.
You can use our FHA calculator to find the best current FHA rates and to determine your down payment, income, credit score, reserves, and necessary documentation for eligibility.
The Lendersa® calculator offers a comparison of FHA terms against other loan programs. Evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® sources extensive loan program data from numerous lenders, providing instant comparisons based on your specific financial profile and needs.
For 2025 in Saranac-Lake, Franklin county, NY, the Loan Limits Comparison Table allows you to contrast FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Evaluate qualification needs such as income, reserves, and credit with the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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