As of 2025, the FHA loan limits in Smithfield county, Providence, RI are as follows: $661,250 for single-family homes, $846,500 for 2-unit properties, $1,023,250 for 3-unit buildings, and $1,271,650 for 4-unit residences.
The maximum conventional loan amounts are $726,200 for a single-family home, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit structures.
Use our FHA calculator to explore the best available FHA rates today, and determine necessary downpayment, income requirements, credit score, reserves, and documentation needed to qualify.
With the Lendersa® calculator, compare FHA rates and terms against those of other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles loan data from a multitude of lenders and quickly matches it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Smithfield county of Providence, RI offers a comparison of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Assess qualifications like income, reserves, and credit with 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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