In the year 2025, the FHA loan limits for Saratoga-Springs county, within Saratoga, NY, are set as follows: $356,362 for a single-family home, $456,275 for homes with two units, $551,500 for three-unit properties, and $685,400 for four-unit properties.
The maximum borrowing capacity for conventional loans on a single-family home is $548,250. For a two-unit property, the limit is $702,000; for three units, it's maxed at $848,500; and for a four-unit home, it reaches $1,054,500.
Utilize our FHA calculator to find the current top FHA rates and also to calculate the necessary downpayment, qualifying income, credit score, reserve levels, and required documentation to qualify for the loan.
Compare loan options from a broad selection of 100 different lenders to find the one best suited to your needs.
The Lendersa® calculator is an excellent tool to compare the terms and rates of FHA loans with several other available loan programs. Venture into comparisons with Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans alongside FHA options.
Lendersa® efficiently retrieves loan program data from a significant number of lenders, allowing quick comparative analysis against your unique financial profile and needs.
For 2025 in Saratoga-Springs county, within Saratoga, NY, review the Loan Limits Comparison Table to see the maximum allowable amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria such as income levels, credit scores, and financial reserves required.
| 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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