In 2026, the FHA loan limits in Richmond, part of Washington, RI, are as follows: $661,250 for single-family homes, $846,500 for two-unit properties, $1,023,250 for three-unit properties, and $1,271,650 for four-unit properties.
For conventional loans, the maximum allowed amount for a single-family home is $726,200; for two-unit dwellings, it is $929,850; for three-unit residences, it is $1,123,900; and for four-unit homes, the limit is $1,396,800.
Our FHA calculator can help you find the best FHA rates today and ascertain the necessary down payment, income verification, credit status, reserve funds, and documentation for eligibility.
Using the Lendersa® calculator, you can compare FHA rates and terms against those from other loan programs. Analyze different options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles information from numerous lenders, allowing for swift comparison with your specific financial profile and criteria.
The Loan Limits Comparison Table for 2026 in Richmond, Washington, RI provides insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. To review qualification details like income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is recommended.
| 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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