In 2025, the loan limit for USDA in Halfmoon, within Saratoga County, NY, is fixed at $336,500, while the FHA limit for a single-family home stands at $472,030.
By using the Lendersa® USDA loan calculator, you can evaluate and compare today's prime USDA and FHA rates. This tool also helps identify the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding your decision on the optimal program in to fit your specific financial scenario.
Loan Limits and Down Payment Requirements for 2025 in Halfmoon, Saratoga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Opportunities in Halfmoon, NY
The purpose of Lendersa® is to ensure you obtain the best possible USDA or FHA loans quickly and without hassle. You have the option to start from three different points that help match you with lenders offering USDA loan programs that suit your profile.
A USDA home loan, also called the USDA rural development loan or USDA mortgage, is secured by the U.S. Department of Agriculture. It is exclusively available for rural areas and does not require a down payment, unlike FHA loans, which require a minimum of 3.5% down.
Adams Community Bank is a responsive, community-focused, mutually owned savings bank providing premier banking services to the people and businesses of the Berkshires. Headquartered in Adams, MA, we have 8 full-service branch locations in Adams, North Adams, Williamstown, Cheshire, Lanesborough, Lenox, and Lee.
At National Bank of Coxsackie, we pride ourselves on being a reliable hometown bank that focuses on customer service. We are committed to providing you with the finest products and services possible. National Bank of Coxsackie understands that not every individual is the same and views our customers as such.
Parks Heritage Federal Credit Union is proud to be a part of the rich history of the Glens Falls region. We celebrate our heritage every day in the form of our name.
Originally founded in 1965, Parks Heritage Federal Credit Union is the chosen financial institution for medical service related professionals that care for our communities.
Cooper’s Cave Federal Credit Union, created by Finch Pruyn employees and chartered in 1958, remains a not-for-profit institution owned by you, our member. Cooper’s Cave FCU presently serves some 2, 450 members, with approximately $20 million in assets.
Membership in this credit union is open to residents of Warren County,
"As a full-service commercial bank, we offer a broad range of financial services, including:
Online and mobile banking
Consumer and commercial loans
Trust and retirement services
Money market and deposit accounts
Wealth management
Insurance services
Since 1851, we have been serving this region and helping our neighbors achieve their f
The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
The Upstate Telco FCU, Charter #10746, was organized on March 20, 1956. There were 17 chartering members and the first Board of Directors, Credit, and Supervisory Committee members were elected at its first special meeting.
The Credit Union is a non-profit financial institution that is owned and operated entirely by its members.
First Choice Financial Federal Credit Union boasts over $152 Million in assets and is located in three great locations in Gloversville, NY and Broadalbin, NY. FCFFCU provides a wide range of quality financial services while preserving a competitive and stable financial institution. FCFFCU is a not-for-profit cooperative owned
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Kittredge Mortgage Corporation has always been adaptable to change."
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
