In 2026, the FHA loan ceiling in Warwick, located in Kent county of RI, is specified as $661,250 for a single-family home. For a dwelling with two units, the limit is $846,500; for three-unit homes, it stands at $1,023,250; and for four-unit properties, it is $1,271,650.
The maximum loan amount for conventional loans is $726,200 for a single-family dwelling, increasing to $929,850 for two units, $1,123,900 for three units, and peaking at $1,396,800 for four units.
Utilize our FHA calculator to access today’s leading FHA rates and determine what's needed, including downpayment, income, credit, reserves, and necessary documentation, for qualification.
With Lendersa®'s calculator, you can efficiently compare FHA rates and terms alongside those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® accesses comprehensive loan program data from thousands of lenders and quickly matches the options to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Warwick, within Kent 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 options. For assessing qualification details such as income, reserves, and credit requirements, utilize 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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