In 2026, the USDA loan cap in Charlestown, Washington county, RI is $473,800; however, the FHA limit for a single-family home is $661,250.
Utilize the Lendersa® USDA loan calculator to weigh today's top USDA vs. FHA rates, determining the necessary income, credit status, reserves, and documentation to qualify. With this advanced mortgage calculator, see your options with USDA, FHA, Conforming, and VA loans side by side, facilitating a decision about which program in best suits your financial position.
2026 loan limits and downpayment requirements in Charlestown, Washington county, RI
Loan Type
Loan Limit
Down Payment
USDA
$473,800
0%
FHA
$661,250
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA loan options in Charlestown, RI
The aim of Lendersa® is to swiftly secure you the best USDA or FHA loan without inconvenience. Choose one of three starting routes to match with lenders and appropriate USDA loan programs.
A USDA home loan, backed by the government via the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. FHA loans require at least a 3.5% down payment, but USDA loans do not require any down payment.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Washington Trust Mortgage Company LLC originates residential real estate mortgage loans, including construction, purchase and refinancing, through its offices in Massachusetts, Connecticut and Rhode Island. Our team of experienced mortgage professionals is dedicated to providing customized.
"Started in 1948, Westerly Community Credit Union (WCCU) has grown to a $257 million financial institution with over 18,250 members. Our members are served by 65 employees via 4 branches in RI; 2 in Westerly, 1 in Richmond, and 1 in South Kingstown.
Recently, the WCCU was awarded 'Best Places to Work 2018' by the Providence Business News"
Milestone Mortgage Solutions offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services -- all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans, VA, FHA, USDA-RD
629 Boston Neck Rd, Unit C2, North Kingstown, RI, 02852
Lends in Rhode Island
A lifetime Rhode Islander with 19 years experience in the Greater Rhode Island Real Estate marketplace, the last 16 as the principle broker/owner of Greater RI Properties, LLC. A varied background including a BS in accounting and twenty plus years self employed in manufacturing lends a diverse perspective to all phases of real estate.
Back Bay Mortgage Brokers is committed to providing our clients with the highest quality service while securing the best possible loan options available. Our expert mortgage professionals have over 20 years of mortgage lending and brokerage experience. We will work with you one on one to ensure that you get the right mortgage.
Peoples Home Loans, prides itself on it's outstanding mortgage origination service serving the needs of Real Estate Professionals, Real Estate Investors, Individual Home Buyers, Homeowners, CPAs and Financial Planners. With a full gamut of mortgage programs and products, we are dedicated to offering the best-fit mortgage to our perspective clients.
