USDA and FHA Pro and Con in East-Greenwich, Kent County, RI

As of 2026, the USDA loan cap for East-Greenwich in Kent county of RI is $404,800, while the FHA limit for a single-family home is $506,000.

Deploy the Lendersa® USDA loan calculator to evaluate the leading USDA versus FHA rates available today, establishing the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most appropriate program for your financial needs in .

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Loan limits and down payment requirements for 2026 in East-Greenwich, county of Kent, RI

Loan Type Loan Limit Down Payment
USDA $404,800 0%
FHA $506,000 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan choices in East-Greenwich, RI

The objective of Lendersa® is to help you swiftly and effortlessly secure the best USDA loan or FHA loan. Choose one of the three starting points that connect you with lenders and USDA loan solutions.

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What is a USDA Loan in RI?

A USDA home loan, backed by the U.S. Department of Agriculture and known as a USDA rural development loan or mortgage, is accessible exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Santo Christo FCU
  • 149 Columbia Street, Fall River, MA, 02721
  • Santo Christo Federal Credit Union was founded in 1954 to serve the financial needs of members of Santo Christo Catholic Parish and St. Louis Catholic Parish in Fall River, Massachusetts; residents of Wards Two, Three and Four of Fall River Massachusetts. Today, we are a full service financial institution that exists for one reason

  • First Class Mortgage Company
  • 99 S. Main Street, Suite 154, Fall River, MA, 02721
  • Our mission is to serve our customers with honesty, integrity and competence. We specialize in Home Purchase Loans and Refinancing in MA and RI. 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

  • Fall River Municipal Credit Union
  • 333 Milliken Blvd, Fall River, MA, 02721
  • Fall River firemen gave birth to what is today the Fall River Municipal Credit Union. The beginning was humble to say the very least. It started with a Fall River firefighter, a state appointed finance board, and the impending threat of wholesale cuts in the pay of city employees

  • Pawtucket Credit Union
  • 1200 Central Ave, Pawtucket, RI, 02861
  • 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

  • Seacoast Mortgage Corporation
  • 267 Newport Avenue, Pawtucket, RI, 02861
  • 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.

  • Navigant Credit Union
  • 1005 Douglas Pike, Smithfield, RI, 02917
  • 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.

  • Somerset Federal Credit Union
  • 740 County Street, Somerset, MA, 02726
  • Our goal is to provide our members with the financial services they need along with the latest technology and the personal attention they deserve.

    SFCU serves people who live or work in Bristol County, Massachusetts, or if a member of your immediate family lives or works in Bristol County, Massachusetts.

  • Hard Money Rhode Island
  • 3 Anne Drive, Lincoln, RI, 02865
  • 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.

  • Bank 5
  • 79 North Main Street, Fall River, MA, 02720
  • BankFive, based in Fall River, Massachusetts, is the SouthCoast's premier independent community bank, and one of the top regional banks in the area. With 13 convenient banking locations in Swansea, Somerset, Fall River, Dartmouth, New Bedford, Fairhaven, and Bristol, RI, plus lending offices in Woburn, Wrentham, and Cranston, RI.

  • Westport Federal Credit Union
  • 655 State Road, Westport, MA, 02790
  • In 1949, Antone Costa moved to the town of Westport. He enrolled in Business school and began to study Accounting, Cost Accounting, and Business Law for the next three years. Around that time he realized that Westport did not have a banking facility. Upon consulting the President of St. Mathieu’s Credit Union, he began to assemble a group.

  • Cumberland Municipal Employees Federal Credit Union
  • 2145 Diamond Hill Road, Cumberland, RI, 02864
  • 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.

  • Goldmark Federal Credit Union
  • 155 Pleasant Street, Attleboro, MA, 02703
  • Goldmark has served the financial needs of members since 1955. In that year, five local citizens saw a need for people to save and borrow money through an institution focused on people helping people. Their goal was to form a credit union, which is a not-for-profit cooperative owned and controlled by members, for members. The five original members