USDA Vs. FHA your options comparison in Providence, Providence County, RI

In 2025, USDA loan limit in Providence, county of Providence, RI is $473,800 while FHA limit is $661,250 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Providence, county of Providence, RI

Loan Type Loan Limit Down payment
USDA $473,800 0%
FHA $661,250 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Providence, RI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Rhode Island?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Blueleaf Lending
  • 1300 W. Higgins Road, Suite 201, Park Ridge, IL, 60068
  • Blueleaf Lending is a boutique-lending firm that specializes in Residential Mortgages, Commercial Real Estate Lending, and Business Lending. We have the unique ability to structure all types of loan facilities tailored to client needs, including fixed-rate loans, value-added loans and loans to facilitate the acquisition and rehab of real estate.
  • GREAT LAKES HOME MORTGAGE, INC
  • 1030 W Higgins Rd, Suite 210, Park Ridge, IL, 60068
  • "Great Lakes Home Mortgage, Inc. provides its customers with the variety of mortgage products as well as access to various lenders and investors that is necessary in this constantly changing business. Services: Whether it is no mortgage insurance programs, equity loans, fixed rates, adjustable rates, jumbo loans."
  • Crane Credit Union
  • 1 West Gate Drive, Odon, IN, 47562
  • Crane Federal Credit Union was chartered in 1955. We are member owned, governed by a member elected volunteer board, not for profit, and tax exempt. Our mission is to "Cooperatively promote member thrift by providing practical financial services and benefits which equitably enhance the financial growth of our membership.
  • Lake Forest Bank & Trust Company, National Association
  • 727 N. Bank Lane, Lake Forest, IL, 60045
  • Lake Forest Bank & Trust Company is a true community bank. Our promise is to provide customers with good old-fashioned personal service and a broad range of quality financial products. Being a locally controlled and managed bank gives us the unique ability to make decisions more quickly and to provide more customized services.
  • DIAMOND RESIDENTIAL MORTGAGE CORPORATION
  • 582 Oakwood Ave, Lake Forest, IL, 60045
  • Diamond Residential Mortgage is committed to helping our customers find the right mortgage product for their needs. We understand every borrower is different and we offer a wide variety of products to meet individual requirements. We make the process of securing a mortgage simple and straightforward by offering the latest financial tools.
  • Brewery Credit Union
  • 1351 Dr Martin Luther King Jr Drive, Milwaukee, WI, 53212
  • Brewery Credit Union (BCU) offers the same commitment to our members since we chartered in 1934 as Brewery Workers Credit Union. The Brewery Workers Union Local 9, represented the many breweries and malting companies in Milwaukee, was the original home of the Brewery Workers Credit Union
  • First State Bank
  • 300 Broad Street, Wrens, GA, 30833
  • We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors. With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964. A branch office was opened in 2002 in Americus,
  • First American Bank & Trust
  • 300 College Avenue, Athens, GA, 30601
  • At First American Bank & Trust, our core convictions are not just vague words in a book no one reads. For us, it's the way our business is done. We found them easy to identify because it's what we do. They're what make us the strong and stable, local bank that's here for you. We are a financial institution that specializes in serving you.
  • Farmers & Merchants Bank & Trust.
  • 1644 Ludington Street, Marinette, WI, 54143
  • At Farmers & Merchants Bank & Trust, we take pride in our hometown heritage. Our roots are deeply planted in a history of community involvement. We care about the financial success and stability of all of our customers, both personal and business. We work hard to provide our customers with a wide variety of quality products
  • Tri-County Credit Union
  • 2205 Hall Avenue, Suite 107, Marinette, WI, 54143
  • TRI-County Credit Union of Wisconsin operates as a financial cooperative. The Union provides financial solutions such as saving and checking accounts, loans, safe deposit boxes, credit and debit cards, loan rates, ATMs, online banking, and other related services. TRI-County Credit Union serves communities in the State of Wisconsin.
  • Bay Shore Credit Union
  • 1514 Cleveland Avenue, Marinette, WI, 54143
  • Our Credit Union expanded from the closed industrial-chartered credit union established in 1953 to an open community-charted Credit Union serving anyone living or working in Marinette and Oconto Wisconsin Counties and Menominee Michigan County. The Credit Union’s original name, Ansul Employees Credit Union
  • The Stephenson National Bank and Trust
  • 1820 Hall Avenue, Marinette, WI, 54143
  • The Stephenson National Bank & Trust (SNBT) has been providing banking services to the tri-county area for 142 years and we consider the loyalty of both new and longtime customers as the key to our success. Our community has recognized our integrity, leadership and customer service by being voted the “Best Bank” for the sixth time, and 'Best Financ