As of 2026, the USDA loan limit for Cumberland-Hill, in Providence county of RI, is set at $404,800. Meanwhile, the FHA cap for a single-family home is $506,000.
Use the Lendersa® USDA loan calculator to compare the latest USDA and FHA rates. This tool helps determine your income, credit, reserves, and documentation needs for qualification. With our sophisticated mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, allowing you to choose the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $404,800 | 0% |
| FHA | $506,000 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to swiftly secure you the best USDA or FHA loan with minimal effort. Select one of three pathways that match lenders with USDA loan programs available.
A USDA home loan, which is endorsed by the U.S. Department of Agriculture—often referred to as a USDA rural development loan or USDA mortgage—is only available in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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