USDA Vs. FHA Pro and Con comparison in Cumberland, Providence County, RI
In 2026, the USDA loan limit in Cumberland, located in the county of Providence, RI, is set at $473,800. Meanwhile, the FHA loan limit for a single-family home is $661,250.
Leverage the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans. Determine the necessary income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping identify the best program in suited for your financial needs.
2026 Loan Limits and Down Payment Requirements in Cumberland, County of Providence, RI
Loan Type
Loan Limit
Down Payment
USDA
$473,800
0%
FHA
$661,250
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Cumberland, RI
The goal of Lendersa® is to secure the best USDA or FHA loan quickly and without hassle. Choose from three starting options to match with lenders and USDA loan programs that suit your needs.
A USDA home loan is guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, USDA loans require no down payment, contrasting with FHA loans that mandate a minimum of 3.5% down payment.
Cumberland Municipal Employees Federal Credit Union
2145 Diamond Hill Road, Cumberland, RI, 02864
Lends in Rhode Island
Cumberland Municipal Employees Federal Credit Union of Cumberland, RI has 1163 members and assets of $7.5 million. The Credit Union, opened in 1962, as the Cumberland School Employees Credit Union. Then in 1993 it was changed to Cumberland Municipal Employees Federal Credit Union.
As a leading hard money lender, our focus is more on collateral and less on your financial situation. If you have satisfying collateral, we can close your hard money loan in a matter of days. We can close loans quicker than traditional loans. Get your Funds closed quicker than with usual loans.
Woodlawn Federal Credit Union strive to offer services designed to improve the economic and social well-being of ALL of our members no matter the socio-economic background, and return financial value to all those who participate in our member owned financial cooperative. and also Woodlawn FCU is more committed than ever to helping people.
Our mission is to provide qualified individuals with high quality mortgage programs that are tailored to fit their unique situation at the most competitive rates in the nation. Anchor Financial Mortgage, Inc. is committed to delivering quality mortgages to our clients and lending partners.
From the very beginning, our mission has been to improve the financial lives of our members throughout Rhode Island. We are committed to the financial well being of the families, businesses and communities we have proudly been serving. Now at more than $3 billion in assets, Navigant Credit Union is among the largest credit unions in Rhode Island.
In 1928, we were established on the principle of people helping people in our local communities. Today more than ever, we remain steadfast in our commitment to our members and the communities in which we all live and work.
Our employees are encouraged to give back to the community through our PCUnited volunteer initiative
At Seacoast, we are dedicated to always earning clients’ trust before their business. We consult with you, understand your needs and then help you choose the mortgage program that is best for you. Seacoast loan officers and dedicated support staff are here for you 24 hours a day, 7 days a week. Our line is always open.
The PGE FCU was established in 1927 to serve the banking needs of the Employees of the United States Postal Service. Since then we have extended that service to certain employees of the USA. Membership is also available to certain family members of existing Credit Union Members. As you will see, we are a full-service financial institution.
