For the year 2026, the FHA loan limits in the county of Providence, within RI, are defined as follows for Cumberland-Hill: $506,000 for a single-family home, $647,750 for properties with two units, $783,000 for properties with three units, and $973,100 for properties with four units.
Conventional loan limits reach $548,250 for a single-family dwelling, with two-unit, three-unit, and four-unit max limits at $702,000, $848,500, and $1,054,500, respectively.
Make use of our FHA calculator to explore the latest FHA competitive rates and assess the requirements for down payment, income, credit, reserves, and necessary documentation.
The Lendersa® calculator permits the comparison of FHA rates and terms with a multitude of other loan programs. Compare this with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from numerous lenders, promptly aligning loan program details with your financial situation and preferences.
Check out the Loan Limits Comparison Table for 2026 in the county of Providence, located in RI. Contrast FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money max amounts. For additional qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $506,000 | $647,750 | $783,000 | $973,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $404,800 | $404,800 | $404,800 | $404,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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