In 2025, the FHA loan limit for Saratoga county in Saratoga, NY, is $472,030 for a single-family home. It's $604,400 for two-unit properties, $730,525 for three-unit dwellings, and $907,900 for four-unit buildings.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For two units, it rises to $929,850, to $1,123,900 for three, and reaches $1,396,800 for homes with four units.
Leverage our FHA calculator to explore today’s optimal FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources data from thousands of lenders and quickly aligns it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Saratoga county, Saratoga, NY, enables comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification criteria such as income, reserves, and credit, use 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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