In the year 2026, the FHA loan limits for Johnston County in RI are set as follows: a single-family residence is capped at $661,250, two units can go up to $846,500, for three units it's $1,023,250, and four units reach a maximum of $1,271,650.
The ceiling for conventional loans on a one-family home is $726,200. For duplexes, the amount is $929,850, triplexes max at $1,123,900, while four-unit buildings can go to $1,396,800.
Utilize our FHA calculator to explore today’s best FHA rates and check your required downpayment, income level, credit score, reserves, and necessary documents for qualification.
Using the Lendersa® calculator, you can effortlessly compare the rates and terms of FHA loans alongside a variety of other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources data from thousands of lenders and quickly matches it to your distinct financial profile and requirements.
In 2026, Johnston County loan limits comparison table in RI outlines the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To examine qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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