For the year 2026, the USDA loan limit in Clifton-Park, county of Saratoga, NY, is specified as $285,000. In contrast, the FHA limit for a single-family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates. This can help you determine the necessary income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side, aiding you in identifying which program suits your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to help you secure an optimal USDA or FHA loan quickly and with ease. You can begin by selecting one of three starting pathways that will match you with appropriate lenders and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as a rural development loan or USDA mortgage. It is available solely in rural regions. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA mortgage loans do not require any down payments at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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