In 2025, the USDA loan limit for Stillwater, within Saratoga, NY, is
$336,500. For a single-family home, the FHA limit reaches
$472,030.
Employ the Lendersa® USDA loan calculator to compare today’s prime USDA against FHA rates.
Determine the income, credit, reserves, and documents needed to qualify.
Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side,
assisting you in selecting the best program for your financial situation in .
Loan Limits and Downpayment Requirements for 2025 in Stillwater, Saratoga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Stillwater, NY
Lendersa® aims to help you acquire the best USDA or FHA loan quickly and without
hassle. Select one of three starting points that connect you with matching lenders and USDA loan
programs.
A USDA home loan is secured by the government’s Department of Agriculture, also known
as a USDA rural development loan or USDA mortgage, and is offered solely in rural neighborhoods.
Unlike FHA loans, which require at least a 3.5% down payment, USDA loans often require none,
offering a notable advantage for eligible buyers.
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