In the year 2026, the FHA loan limits in North-Smithfield county of Providence, located in RI, are detailed as follows: $506,000 for a single-family home, $647,750 for a duplex, $783,000 for a triplex, and $973,100 for four-unit buildings.
For conventional loans, the maximum loan amounts are defined as $548,250 for a single-family residence, $702,000 for two-unit houses, $848,500 for three-unit homes, and $1,054,500 for properties with four units.
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The innovative Lendersa® calculator presents an effective way to contrast FHA rates and terms across a spectrum of other loan programs. This includes evaluating various options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, facilitating a thorough understanding of FHA's place among them.
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In 2026, the detailed Loan Limits Comparison Table for North-Smithfield county in Providence, RI allows you to review and compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Additionally, you can explore qualification criteria such as income, reserves, and credit requirements with Lendersa®'s Super Loan Integrated Qualifier (SLIQ™), a cutting-edge tool designed to simplify your loan qualification process.
| 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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