FHA VS Conventional loan programs in 2026 for Charlestown, Washington County, Rhode Island

For 2026, the conventional loan limit in Charlestown, within Washington county of RI, is $726,200. Meanwhile, the FHA limit for a single-family home is $661,250.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side to help you choose the best program in RI suited to your financial situation.

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2026 Loan Limits and Down Payment Requirements in Charlestown, Washington County, RI

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $473,800 0%
FHA $661,250 3.5%

This table is relevant for the following zip codes: 2813

Conventional and FHA Loan Options in Charlestown, RI

Lendersa® aims to connect you with the best possible Conventional, USDA, or FHA loan quickly and with ease. Choose from three starting points to identify matching lenders and loan programs tailored to your needs.

Lendersa USDA loan request and matching results


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