For the year 2026, the FHA loan ceiling in Saratoga county within Waterford, NY is $472,030 for a single-family dwelling, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-plexes.
Concerning conventional loans, the cap is $726,200 for a single-family house, $929,850 for two-unit structures, $1,123,900 for three-unit homes, and $1,396,800 for buildings with four units.
Our FHA calculator is available to help you find today’s leading FHA rates and to calculate the down payment, income, credit, reserves, as well as documents required for qualification.
The Lendersa® calculator allows you to check and contrast FHA terms and conditions against those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Using insights gathered from a multitude of lenders, Lendersa® quickly compares options tailored to your specific financial circumstances and preferences.
In 2026, compare maximum loan amounts for FHA and other types in Waterford, Saratoga, NY using the Loan Limits Comparison Table. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate key qualification criteria such as income, reserves, and credit.
| 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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