In 2026, the loan limit for USDA in Kingston, located in Washington, RI, is set at $473,800, whereas the FHA loan limit for a single-family home stands at $661,250.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates. Here, you can evaluate the necessary income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your financial decision on the most suitable program in .
Loan limits and down payment requirements for 2026 in Kingston, Washington, RI
Type of Loan
Limit on Loan
Down Payment
USDA
$473,800
0%
FHA
$661,250
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan choices in Kingston, RI
The mission of Lendersa® is to facilitate you in securing the most advantageous USDA or FHA loan swiftly and effortlessly. Choose from three initial paths to connect with lenders and USDA loan programs.
The USDA home loan, supported by the Department of Agriculture, also known as USDA rural development loan or USDA mortgage, is exclusively available in rural regions. In contrast to FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage offers a zero down payment option.
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 the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Back Bay Mortgage Brokers is committed to providing our clients with the highest quality service while securing the best possible loan options available. Our expert mortgage professionals have over 20 years of mortgage lending and brokerage experience. We will work with you one on one to ensure that you get the right mortgage.
629 Boston Neck Rd, Unit C2, North Kingstown, RI, 02852
Lends in Rhode Island
A lifetime Rhode Islander with 19 years experience in the Greater Rhode Island Real Estate marketplace, the last 16 as the principle broker/owner of Greater RI Properties, LLC. A varied background including a BS in accounting and twenty plus years self employed in manufacturing lends a diverse perspective to all phases of real estate.
Washington Trust Mortgage Company LLC originates residential real estate mortgage loans, including construction, purchase and refinancing, through its offices in Massachusetts, Connecticut and Rhode Island. Our team of experienced mortgage professionals is dedicated to providing customized.
"Started in 1948, Westerly Community Credit Union (WCCU) has grown to a $257 million financial institution with over 18,250 members. Our members are served by 65 employees via 4 branches in RI; 2 in Westerly, 1 in Richmond, and 1 in South Kingstown.
Recently, the WCCU was awarded 'Best Places to Work 2018' by the Providence Business News"
Milestone Mortgage Solutions offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services -- all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans, VA, FHA, USDA-RD
BankNewport is proud to be your community bank. Founded in 1819, we are one of the oldest mutual savings banks not only in Rhode Island, but in the entire United States. Currently holding $1.6 Billion in assets, BankNewport is an FDIC-insured savings bank and a subsidiary of the Mutual Holding Company, OceanPoint Financial Partners, MHC.
People’s Credit Union is a community Credit Union that has served the people of Rhode Island and Southeastern Massachusetts since 1922. People's Credit Union is owned by its members and is a not-for-profit, cooperative financial institution. We operate 6 branches located in Bristol, Middletown, Newport, North Kingstown, Portsmouth, and Wakefield.
55 John Clarke Road, Unit A16, Middletown, RI, 02842
Lends in Rhode Island
"Newport Mortgage LLC is a residential, and commercial mortgage company, located in Newport RI. Newport Mortgage LLC is owned and operated by Mark Jernstedt. Mr. Jernstedt brings over 25 years of experience, originating residential and commercial loans. When you apply for a loan with Newport Mortgage LLC,"
