In 2026, the FHA loan limit in Cranston within Providence county, RI, is $661,250 for a single-family home. For 2-unit dwellings, the limit is $846,500; for 3-units it's $1,023,250, and for 4-unit buildings, the cap is $1,271,650.
For conventional loans, the ceiling is $726,200 for a single-family residence, moving up to $929,850 for 2-units, $1,123,900 for 3-units, and culminating at $1,396,800 for 4-units.
Leverage our FHA calculator to find today's top FHA rates and determine essential elements like downpayment, income, credit score, reserves, and required documentation for qualification.
The Lendersa® calculator provides comparisons of FHA rates and terms against all other available loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles loan program data from a vast number of lenders and effectively aligns them with your unique financial profile and required needs.
A comparative Loan Limits Table for 2026 in Cranston, Providence county, RI, facilitates side-by-side analysis of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to further evaluate qualifications such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $661,250 | $846,500 | $1,023,250 | $1,271,650 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $473,800 | $473,800 | $473,800 | $473,800 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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