In 2026, the USDA loan limit in Waterford, within Saratoga, NY, is
$336,500, while the FHA limit for a single-family home is
$472,030.
Use Lendersa®’s USDA loan calculator to compare today’s top USDA and FHA rates.
Determine the income, credit, reserves, and required documents to qualify. Our advanced
mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you
choose the most suitable option in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Waterford, Saratoga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Waterford, NY
Lendersa® aims to provide you with the best possible USDA or FHA loan quickly and without hassle.
Choose one of three starting paths to connect with matching lenders and USDA programs.
A USDA home loan is guaranteed by the Department of Agriculture, known also as a USDA rural development loan
or mortgage, exclusively available in rural areas. Unlike FHA loans requiring at least 3.5% down payment, USDA
loans typically require none, offering a notable advantage for eligible buyers.
We are committed to help borrowers understand their options for real estate financing and making solid financial decisions. In the past 15 years, we helped tens of thousands of our customers to finance their home with favorable terms and low costs. We offer wide range of programs for all customers
Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential investment properties. Wildcat Lending offers real estate financing that avoids the time-consuming process and requirements of conventional lenders.
The Nortex Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available.
We offer the best mortgage tools available on the Internet – easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
Great Western Financial Services, Inc company prides itself on its collaborative culture and passion in its role in the home buying experience. Through innovation in technology and experience we provide steady guidance along the journey to home ownership.As a family-owned business.
Almega Mortgage, we know that each customer has specific mortgage needs, so we strive to meet those specific needs with a wide array of mortgages combined with quality service and individual attention. Though we are based in Plano, we routinely serve clients in Allen, Frisco, Carrollton, Richardson, Garland, and the rest of the Dallas metroplex.
Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community.
Dominion Bank was founded on the premise that a superior team of seasoned bankers can out-perform the competition. CEO Thomas J. Mastor, CFO R. Michael Russell, Dallas President Stephanie Velasquez, along with their proven team of bankers, formed Dominion Bank with an initial capitalization of over $50 million raised from local investors.
Megan Dodson a residential mortgage loan originator who has helped hundreds of buyers like you identify the best long-term value for their loan. Megan aligned with a number of wholesale lenders & underwriters to help you get that special low rate. But beyond that, I work hard for you & dig in to find that special program another mortgage lender.
Certified Funding, L.P. is a pioneer in second lien lending. Since 1985 we have provided purchase money second liens, equity liens and home improvement loans for Mortgage Brokers and Mortgage Bankers. As an independently owned and operated business, we are constantly striving to provide innovative programs and competitive products.
IKON Mortgage is founded with passion and the heart of serving. We strive to keep the mortgage experience simple, efficient, and enjoyable for our clients. IKON Mortgage is here to serve you whether you are looking for the best rates in town with a quick and easy closing, or searching for a trustworthy and experienced mortgage loan officer to guide
