For 2026, the FHA loan limit in the county of Washington, covering Narragansett-Pier in RI, is set at $506,000 for single-family homes. For properties with two units, the limit is $647,750, for three units it’s $783,000, and for four-unit homes, the limit reaches $973,100.
Conventional loan limits for a single-family dwelling are $548,250. For two-unit residences, the cap is $702,000, for three units $848,500, and for four-unit properties, it is $1,054,500.
Our FHA calculator allows you to see the competitive rates available today and helps you figure out the required down payment, income levels, credit, reserves, and documentation for qualification.
Utilizing the Lendersa® calculator, you can compare FHA rates and terms against various other loan programs. Examine Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive loan program data from numerous lenders and efficiently matches it against your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table for Narragansett-Pier in Washington, RI compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification criteria like income, reserves, and credit.
| 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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