For the year 2026, the FHA loan limits in South-Kingstown county, part of Washington, RI, are $506,000 for a single-family home. For 2-unit properties, the limit is $647,750, $783,000 is for homes with 3-units, and for 4-units, it's set at $973,100.
The highest borrowing cap for conventional loans on single-family homes is $548,250. Meanwhile, for 2-unit places it's $702,000, for 3-unit properties $848,500, and for 4-units, the maximum is $1,054,500.
To see current FHA rate offers and understand qualifications including downpayment, income, credit score, reserves, and necessary documents, use our FHA calculator.
The Lendersa® calculator allows you to match FHA rates and terms with those from various other loan programs. You can explore and compare options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA terms.
By accessing data from numerous lenders, Lendersa® swiftly compares and aligns loan programs to your unique financial needs and profile.
With the Loan Limits Comparison Table for 2026 in South-Kingstown county of Washington, RI, you can compare the highest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For evaluating conditions like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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