FHA VS Conventional loan in Richmond, Washington County, Rhode Island

As of 2025, the conventional loan limit in Richmond, county of Washington, RI, is $726,200, whereas 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, determining what income, credit, savings, and documents are needed to qualify. With this advanced mortgage calculator, you can review Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on the most suitable program in RI for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Richmond, Washington County, RI

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

This comparison table applies to the following zip codes: 02836, 02898, 02894, 02892, 02812, 02875, 02832

Loan Choices for Conventional and FHA in Richmond, RI

Lendersa® is committed to securing the best possible Conventional, USDA, or FHA loan for you promptly and without hassle. Choose one of three initial pathways to connect with lenders and find appropriate loan programs.

Lendersa USDA loan request and matching results


  • Professional Wholesale Mortgage, LLC
  • 5994 S. Holly St, Suite 246, Englewood, CO, 80111
  • Professional Wholesale Mortgage, LLC is a Colorado based company providing the lowest rates to customers across the region. We are a small company that focuses on providing competitive home loans that make sense for our clients. We understand your mortgage needs and will work to get you the best rate available.
  • Alliance Mortgage Group, Inc
  • 12625 E Euclid Dr, Centennial, CO, 80111
  • The Alliance Mortgage Group team takes pride in delivering top notch COMMUNICATION and working seamlessly together to provide all Colorado residents with a Hassle-Free, Five Star experience. Whether you are looking to build your dream home, purchase a home, refinance, do some home improvement, or simply check rates, we are always here to help.
  • Colten Mortgage, LLC
  • 6021 S Syracuse Way, Suite 104, Englewood, CO, 80111
  • Our mission at Colten Mortgage is to make the loan process as stress-free as possible for our clients and partners. We use innovative technology to make the loan process smooth and simple, but we never underestimate the power of the human touch. Direct communication with our Loan Officers and Processing team when you have questions
  • Lead Funding, LLC
  • 7400 East Orchard Road, Suite 3000N, Englewood, CO, 80111
  • Lead Funding’s mission is to offer non-bank direct lending to real estate investors with competitive rates, hassle-free and quick terms, and complimentary essential tools. This “holistic” approach assists small to large real estate investors and is truly industry unique. To date, Lead Funding has loaned in excess of $700,000,000 directly to investo
  • Bridge Capital Resources LLC
  • 7350 E Progress Place, Suite 100, Greenwood Village, CO, 80111
  • Bridge Capital Resources™ LLC is a private money lender whose mission is to leverage entrepreneurial creativity bringing about inspired vision for transformation. We provide capital to real estate entrepreneurs for investment property acquisition, rehabilitation and stabilization. Principals of our company have nearly sixty years of combined indust
  • The Best Loan Officer
  • 225 Union Blvd, Suite 150, Denver, CO, 80229
  • Colorado's Best Mortgage Broker, The Best Loan Officer! If you need money for a real estate transaction, we can find it for you. As your expert mortgage broker, your best interest is always on my mind. I like to keep my clients for life. The only way to do that is to offer exceptional service plus knowing that I am your trusted advisor
  • Mindful Mortgage Group
  • 1271 Banner Circle, Erie, CO, 80516
  • Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.
  • Trailhead Mortgage
  • 50 Jordan Lane, Erie, CO, 80516
  • With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.
  • Denver Mortgage Pros
  • 1633 Eudora St, Denver, CO, 80220
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Omega Funding
  • PO Box 200862, Denver, CO, 80220
  • Omega Funding, Inc has been providing working capital to business owners since 1997. We can underwrite and fund directly out of our own money or use our network of private investors, non bank sources, and private capital firms. This makes us an invaluable resource in obtaining the best financing alternative for your growing business Over the 15 ye
  • Approved By Charles
  • 98 Inverness Dr. East, Suite 140, Englewood, CO, 80112
  • In the purest form Charles Davis lend money for the purchase, or refinancing, of residential properties. Charles will guide you through the complex process of lending. Being there every step of the way to insure that you, and your family, make the best, most well informed decisions for your financial future.
  • Metrum Community Credit Union
  • 6980 S Holly Circle, Centennial, CO, 80112
  • At Metrum, a Centennial CO Credit Union, we care for our members’ financial needs with sound advice, value-priced products and services, while investing in the communities we serve. We are a member-owned cooperative that provides financial services for our members. Member education and credit union philosophy are the foundation of our organization.