In 2026, the USDA loan cap in Charlton, within the county of Saratoga, NY, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to weigh today's prime USDA and FHA rates, determining the income, credit level, reserves, and documentation necessary for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist in selecting the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission at Lendersa® is to swiftly and effectively connect you with the most suitable USDA or FHA loan options. Choose from three starting paths that lead to matching lenders and USDA loan programs.
USDA home loans are government-backed loans provided by the Department of Agriculture, also known as USDA rural development loans or USDA mortgages, and are exclusively available in rural areas. Unlike FHA loans that carry a minimum 3.5% down payment requirement, USDA mortgage loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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