USDA Loan Vs. FHA loan for Narragansett, RI 2026

For the year 2026, in the region of Narragansett located in Washington county, RI, the USDA loan limit is set at $473,800, whereas the FHA limit for a single-family home is $661,250.

Utilize the Lendersa® USDA loan calculator to analyze and contrast today's supreme USDA versus FHA rates, helping you to determine the income, credit, reserves, and necessary documents needed to qualify. This advanced mortgage calculator lets you juxtapose USDA, FHA, Conforming, and VA loans, so you can make an informed decision on which program in suits your financial situation best.

Exploring USDA and FHA loan options in Narragansett, RI

Lendersa®'s aim is to provide you with the best possible USDA or FHA loan quickly and without any hassle. You can select from one of three starting points, leading to lender matches and USDA loan programs tailored to your needs.

Lendersa USDA loan request match results

Understanding USDA Loans in RI

A USDA home loan, which is guaranteed by the United States Department of Agriculture—commonly referred to as a USDA rural development loan or USDA mortgage—is available only in rural areas. Unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans do not require any down payment, increasing their appeal to homebuyers in eligible regions.

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707-834-6282 Lender's profile and map Reviews ReProp Financial 735 4th street, Eureka, CA, 95501 ReProp Financial is a small balance commercial lender lending in CA, OR, WA, ID, AZ, and TX. We lend up to $2.5MM and offer both interest only bridge and 15 year fully amortizing loan products. We are a direct lender and service everything in-house. Our average time to close is about 10 days but can close more quickly if needed.
(707) 444-9833 Lender's profile and map Reviews Redwood Capital Bank 402 G Street, Eureka, CA, 95501 At Redwood Capital Bank, it is important to keep local dollars working at home. Nearly every dollar that is deposited at Redwood Capital Bank goes right back into the local economy. Deposits are reinvested in the form of loans to individuals, families and businesses, helping small businesses grow, providing new homes and a better quality of life.
(707) 443-8662 Lender's profile and map Reviews Compass Community Credit Union 321 Wabash Avenue, Eureka, CA, 95501 California State Employees No. 20 Credit Union was formed in January of 1951. The credit union was formed by a group of professors and employees of Humboldt State College. They formed the credit union with a desire to assist each other with reasonably priced loans and a good return on their savings.
(707) 445-8801 Lender's profile and map Reviews Coast Central Credit Union 2650 Harrison Avenue, Eureka, CA, 95501 At Coast Central, we make banking easy, with access to your finances – anytime. With a network of over 30,000 free ATMs nationwide, the latest digital banking solutions, and 11 convenient Member Services Branches, one open Monday through Saturday and another open 7 days a week and evenings, control your funds from anywhere you happen to be.
(707) 443-9940 Lender's profile and map Reviews Briton Mortgage 303 Harris Street, Eureka, CA, 95501 "Briton Mortgage purchased their building in 2001. It was a family home in disrepair. Janine made a commitment to the owner and her family that the home would not be torn down, but repaired and restored. The remodeling was complete in 2003 and it has been the proud ""home"" of Briton Mortgage ever since."
707.444.7711 Lender's profile and map Reviews ReProp Financial 735 4th Street, Eureka, CA, 95501 ReProp Financial, a private money lender, is a division of ReProp Investments, Inc., established in 1978. We are a regional, niche real estate collateral lender, specializing in commercial, industrial and agricultural loans. We are a boutique specialty lender with extensive experience in all types of small balance commercial loans.
(707) 923-2012 Lender's profile and map Reviews Vocality Community Credit Union 757 Redwood Drive, Garberville, CA, 95542 Vocality Community Credit Union was founded 40 years ago by residents of Humboldt County that wanted more personal, inclusive, and community-focused financial services than traditional banks offered. That visionary spirit has never waned - we’ve been outside-the-box- thinkers and innovators, listen carefully to what our members need
(707) 964-0708 Lender's profile and map Reviews First Equity 528 S. Main St, Fort Bragg, CA, 95437 First Equity is a mortgage broker with operations in one state. First Equity offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse and 1% down mortgages We will treat you with the respect due an esteemed customer and give you the personal service you deserve.
(907) 225-9063 Lender's profile and map Reviews Tongass Federal Credit Union 2000 Tongass Avenue, Ketchikan, AK, 99901 Tongass Federal Credit Union is a not-for-profit financial cooperative. TFCU is nestled in remote Southern Southeast Alaska and based out of Ketchikan, often called "Alaska's First City." TFCU has four branches: Ketchikan, Klawock, Metlakatla, and Wrangell and four community Microsites: Thorne Bay, Hydaburg, Kake, and Hoonah.
(907) 228-4474 Lender's profile and map Reviews First Bank 331 Dock Street, Ketchikan, AK, 99901 For over 95 years, First Bank has been providing financial services to Southeast Alaska. We are proud to have built a solid reputation of providing the best financial services to generations of residents in our communities. First Bank is a local Bank that's been serving Southeast Alaska since 1924. We know our community, its citizens
(907) 523-4700 Lender's profile and map Reviews TRUE NORTH FEDERAL CREDIT UNION 2777 Postal Way, Juneau, AK, 99801 True North Federal Credit Union, chartered in 1948 as a not-for-profit full-service cooperative financial institution and also True North Federal Credit Union is dedicated to your financial well-being while providing convenient access to valuable products and services. Learn more about the spirit of our credit union.