As of 2025, the USDA loan ceiling in Providence, located in Providence, RI, stands at $473,800. Meanwhile, the FHA cap for a single-family dwelling is set at $661,250.
Utilize the Lendersa® USDA loan calculator for a detailed comparison of today's top USDA and FHA rates. Determine income qualifications, credit score requirements, reserve levels, and necessary documentation to secure approval. With our cutting-edge mortgage calculator, evaluate USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best option in
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| Loan Category | Maximum Limit | Down Payment Required |
| USDA | $473,800 | 0% |
| FHA | $661,250 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to secure the ideal USDA or FHA loan efficiently and with minimal trouble. You have three ways to initiate the process, leading to lender matches and suitable USDA programs.
A USDA home loan is supported by the Department of Agriculture and is alternatively known as a USDA rural development loan or USDA mortgage. These loans apply to designated rural areas only. Concisely, unlike FHA loans which necessitate a 3.5% down payment minimum, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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