USDA Vs. FHA Pro and Con comparison in Charlestown, Washington County, RI
In 2025, 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.
2025 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.
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230 S Dearborn Street, Suite 2962, Chicago, IL, 60604
USECU is member-owned, and not run by stockholders. Credit unions are not-for-profit organizations; therefore, we are able to pay higher dividends on deposit accounts, charge lower fees, and offer lower rates on loans. U.S. Employees Credit Union has been helping people achieve financial success since 1953.
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18 South Michigan Avenue, Suite 1000, Chicago, IL, 60603
Chicago Municipal Employees Credit Union, the oldest active credit union in the State of Illinois, offers our members over 90 years of financial strength. Our roots go back to the early 1920s — a tough time in Chicago to make ends meet, even if you had a good job as a city employee.
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The IRA Club has no financial affiliation with any investment provider. The IRA Club does not perform due diligence on any investment offering. All investment choices are made by the IRA account owner and are the exclusive responsibility of the IRA account owner. All investments have risks.
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For nearly 100 years, we have fostered deep ties to our customers
