USDA and FHA Pro and Con in Saratoga, Saratoga County, NY

In the year 2025, the USDA loan limit for Saratoga, located in Saratoga, NY, is set at $336,500. In contrast, the FHA limit for single-family homes is $472,030.

Utilize the Lendersa® USDA loan calculator to assess today's top USDA and FHA rates, and to determine the necessary income, credit standing, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose the best fit for your financial circumstances in .

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Loan Limits and Downpayment Criteria for 2025 in Saratoga, Saratoga County, NY

Loan Type Maximum Loan Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Saratoga, NY

The intention of Lendersa® is to secure the optimal USDA or FHA loan both quickly and with ease. Choose from three potential starting points that connect you with the right lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NY

A USDA home loan, guaranteed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans are zero down payment loans.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Showcase Investments, Inc. is a California direct lender, helping borrowers when their bank says “no” or is just too slow. We are licensed to secure our loans by only California real property, with most of our loans being secured by either non-owner occupied or owner-occupied residential properties. Although there are situations.
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  • Introducing Keyswag Lending! Our expert team, led by Jeremiah Ibrahim, is dedicated to offering tailored loan options that fit your unique needs. With our top-notch advice and unbeatable service, we ensure your home buying journey is seamless, no matter your location. Connect with us today for a stress-free lending experience! Contact us at jeremia
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  • Founded in 2009, ONY GLO, Inc. dba. OGI Mortgage Bankers is an independent, full-service, residential mortgage Banker, located in Orange County, California, the nation’s capital of the mortgage lending industry. We are fully staffed with a team of mortgage professionals, ensuring your loan is turned around quickly and efficiently.
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