For the year 2026, the FHA loan limit in Providence, located in Providence county of RI, is specified as $661,250 for a single-family home. For two units, the limit is $846,500; for three units, it is $1,023,250; and for properties with four units, the limit is $1,271,650.
Concerning conventional loans, the highest amount for a single-family residence is $726,200. For two-unit homes, the cap is $929,850, while for three units and four units, it is $1,123,900 and $1,396,800, respectively.
Our FHA calculator is a useful tool to check today's best FHA rates and to find out the necessary downpayment, income, credit requirements, reserves, and documentation needed to qualify.
Utilize the Lendersa® calculator to compare FHA rates and terms with those of various other loan programs. This includes comparisons with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly aggregates data from thousands of lenders and aligns it with your unique financial profile and needs within seconds.
The Loan Limits Comparison Table for 2026 in Providence, within the borders of Providence county, RI, allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further compare qualification requirements such as income, reserves, and credit criteria, make use of 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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