For 2026, the FHA loan limit in Kingston, part of Washington, RI, is $661,250 for a single-family home. For two-unit properties, the limit is $846,500, for three units $1,023,250, and for four units $1,271,650.
The maximum conventional loan amounts on a single-family residence reach $726,200. For two-unit homes the limit is $929,850, for three units $1,123,900, and for four units $1,396,800.
Use our FHA calculator to view today's rates and compute necessary details such as down payment, income, credit standing, reserves, and documentation required for eligibility.
With the Lendersa® calculator, compare FHA rates and terms against those of other loan programs. Analyze options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers details from numerous lenders and compares them rapidly based on your unique financial profile.
Refer to the Loan Limits Comparison Table for 2026 for Kingston in Washington, RI, covering FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. For criteria like income, reserves, and credit, utilize 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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