USDA Vs. FHA your options comparison in North-Smithfield, Providence County, RI
In 2026, the USDA loan limit for North-Smithfield in Providence county, RI, is $404,800, whereas the FHA limit for a single-family home is $506,000.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates, and determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in .
Loan limits and downpayment requirements for 2026 in North-Smithfield, county of Providence, RI
Loan Type
Loan Limit
Down Payment
USDA
$404,800
0%
FHA
$506,000
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA loans in North-Smithfield, RI
The aim of Lendersa® is to swiftly help you secure the best USDA or FHA loan without hassle. Select one of three starting paths for matching with lenders and accessing USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also called a USDA rural development loan or USDA mortgage—is only available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans need no down payment.
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.
Cumberland Municipal Employees Federal Credit Union
2145 Diamond Hill Road, Cumberland, RI, 02864
Lends in Rhode Island
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.
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.
The PGE FCU was established in 1927 to serve the banking needs of the Employees of the United States Postal Service. Since then we have extended that service to certain employees of the USA. Membership is also available to certain family members of existing Credit Union Members. As you will see, we are a full-service financial institution.
South Wind Financial Inc. Rhode Island branch provides Mortgage Broker Services to Rhode Island, Massachusetts, Connecticut, and Florida areas. We pride ourselves on ensuring that our customers are totally satisfied with our services and get the best loan possible. Picking the right mortgage firm can be challenging.
Woodlawn Federal Credit Union strive to offer services designed to improve the economic and social well-being of ALL of our members no matter the socio-economic background, and return financial value to all those who participate in our member owned financial cooperative. and also Woodlawn FCU is more committed than ever to helping people.
Our mission is to provide qualified individuals with high quality mortgage programs that are tailored to fit their unique situation at the most competitive rates in the nation. Anchor Financial Mortgage, Inc. is committed to delivering quality mortgages to our clients and lending partners.
