USDA Loan Vs. FHA loan pro & con Johnston, Providence County, RI

In 2025, the USDA loan limit for Johnston, within Providence county in RI, is set at $473,800. In contrast, the FHA cap for a single-family home is $661,250.

Utilize the Lendersa® USDA loan calculator to compare the leading rates available today for USDA versus FHA loans. It allows you to identify the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping to pinpoint which program in best matches your financial circumstances.

Options for USDA and FHA Loans in Johnston, RI

The objective of Lendersa® is to facilitate obtaining the best possible USDA or FHA loan swiftly and effortlessly. Choose one of three pathways that lead to matched lenders and suitable USDA loan options.

Lendersa USDA loan request and matching results overview

Introduction to USDA Loans in RI

A USDA home loan is backed by the Department of Agriculture, known either as a USDA rural development loan or USDA mortgage. These loans are available solely in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment, offering a significant advantage where eligible.

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(800) 452-3313 Lender's profile and map Reviews Mid Oregon Credit Union-Home Loans PO Box 6749, Bend, OR, 97708 Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon.
(206) 622-8415 Lender's profile and map Reviews Waterfront Credit Union 6419 Fauntleroy Way SW, Seattle, WA, 98136 Waterfront Federal Credit Union is a not-for-profit, member-owned financial cooperative. We are a dedicated, unionized partner with a closed field of membership, allowing us to provide the unique and individualized service our members expect and cannot find anywhere else.Waterfront Credit Union
(206) 935-1625 Lender's profile and map Reviews West Seattle Mortgage, Inc. 5400 California Ave SW, Suite B, Seattle, WA, 98136 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 competitive interest rates and closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(877) 212-4002 Lender's profile and map Reviews Reverse Mortgage Works 73131 Country Club Drive, Suite C3 & C4, Palm Desert, CA, 92260 Our goal of giving you the best service possible is exemplified by our customer service team. As our reputation attests, we strive for excellence in every way and promise to serve you with the utmost care and integrity. As such, we are always here to address any concerns you may have. Your concerns are our concerns!
(909) 229-9068 Lender's profile and map Reviews Pacific Mortgage Exchange, Inc. 73241 Hwy 111, Palm Desert, CA, 92260 Pacific Mortgage Exchange, Inc. of Palm Desert, CA has been your devoted hard money lender for over 30+ years! Pacific Mortgage Exchange, Inc.’s reliable hard money loan programs make the process of investment funding fast and convenient and enables clients nationwide with income-producing properties to receive funding.
(760) 779-8724 Lender's profile and map Reviews Nationwide Fair Lending 73255 El Paseo, Suite 12, Palm Desert, CA, 92260 Nationwide Fair Lending employs an experienced staff, whose sole function is to assure customer satisfaction throughout the entire loan process. Our staff’s commitment to this industry is supported by continued education and development in the latest products. We measure achievement not only in financial terms but also in human terms.
(253) 841-2668 Lender's profile and map Reviews Mt. Rainier Federal Credit Union 303 West Meeker Avenue, Puyallup, WA, 98371 The Mt. Rainier Federal Credit Union, chartered in 1967, is a non-profit financial cooperative owned by the members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care and concern for members and their families Our whole philosophy of business is based on member service.
(253) 539-1700 Lender's profile and map Reviews Wave Lending Group 8602 Canyon Rd East, Puyallup, WA, 98371 wave Lending group is a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from a purchase to refinance. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with great rates, terms
(360) 293-4862 Lender's profile and map Reviews Puget Sound Refinery Federal Credit Union 12275 Bartholomew Road, Anacortes, WA, 98221 On January 26, 1954, we received our charter as North Montana Texaco Employees Federal Credit Union. In 1958 our name was changed to Puget Sound Texaco Federal Credit Union. In June of 1988, Seattle Texaco Credit Union merged with our credit union. When Texaco merged with Equilon, the new credit union name became E. E. Federal Credit Union.
(253) 840-5600 Lender's profile and map Reviews Northwest Mortgage 5605 112th St E, Puyallup, WA, 98373 The Northwest Mortgage Team is your premier mortgage team located in Puyallup, WA.We pride ourselves on offering some of the lowest rates nationwide & make the loan process simple, straightforward & fast for borrowers seeking a mortgage. We are committed to providing clients with the highest quality financial services available in your area.
(360) 222-3236 Lender's profile and map Reviews Fulton Financial Consultants, Inc. 3790 Shorewood Avenue, Greenbank, WA, 98253 Fulton Financial Consultants, Inc. formally incorporated under the laws of Washington State on April 21, 1980 with the name Fulton Insurance Consultants, Inc. Then in 1995 changed its name to Fulton Financial Consultants, Inc. which was done for multiple reasons including the preparation of expanding licensing to become a Mortgage Broker.
(253) 272-2161 Lender's profile and map Reviews Tacoma Longshoremen Credit Union 3602 Alexander Avenue, Tacoma, WA, 98424 The Tacoma Longshoremen Credit Union is a member-owned financial institution whose purpose is to meet its member's financial needs and promote the financial well-being of its members by providing them with financial services in a friendly and considerate manner. and The Tacoma Longshoremen Credit Union is a not for profit.