USDA VS FHA in Providence, Providence County, RI

As of 2026, 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 tailored to your financial needs.

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Discover loan limits and down payment prerequisites in Providence, in the county of Providence, RI for 2026

Loan Category Maximum Limit Down Payment Required
USDA $473,800 0%
FHA $661,250 3.5%
Conventional Conforming $726,200 3%

Options for obtaining USDA and FHA loans in Providence, RI

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.

  1. Comprehensive request with USDA/FHA optimization
  2. Check USDA and FHA terms and rates preliminarily
  3. Explore top USDA lenders across the database
Lendersa USDA loan request and matching results

Understanding USDA Loans in RI

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.

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  • Ocean State Credit Union
  • 1584 Nooseneck Hill Rd, Coventry, RI, 02816

  • Ocean State Credit Union have aimed to provide our members with sound, simple financial solutions. In that time we have evolved, and our offerings have been designed to meet the ever-changing needs of our members. From those humble beginnings, Ocean State Credit Union has grown to become a statewide credit union offering.

  • St. Anne's Credit Union
  • 286 Oliver Street, Fall River, MA, 02724

  • St. Anne's Credit Union has been providing financial products and banking services since 1936. St. Anne's has over 150 employees servicing ten locations including Dartmouth, Fairhaven, Fall River, New Bedford, Somerset, Swansea, Westport and The Lending Center in Plymouth. St. Anne’s was selected for the fifth year in a row #1 Credit Union by the p

  • Fall River Pawn Brokers
  • 1475 South Main Street, Fall River, MA, 02724

  • Fall River Pawnbrokers was established in 1995 with our first pawn shop operation opening its doors in Fall River, Massachusetts. For over 24 years we have contributed to serving working families and communities by providing a wide range of financial services for people of all ages and backgrounds.

  • Greater RI Properties
  • 629 Boston Neck Rd, Unit C2, North Kingstown, RI, 02852

  • 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.

  • Taunton Federal Credit Union
  • 14 Church Green, Taunton, MA, 02780

  • At TFCU, we are committed to offering an extensive range of products and services designed specifically with you in mind! We want to make your banking experience as easy as possible by giving you convenient access to manage your accounts on the go, all while providing you with the latest and greatest banking technology.

  • Mechanics Cooperative Bank
  • 316 Broadway, Taunton, MA, 02780

  • Mechanics Cooperative Bank is proud to be a local community bank, focused on supporting the banking needs of local families and local small businesses. We have products and services that can match any financial institution and offer a more in-depth understanding of the local business market.

  • Wrentham Co-operative Bank
  • 102 South Street, Wrentham, MA, 02093

  • Wrentham Cooperative has been a place people can trust for all of their personal and business financial needs since 1901. Unlike most banks, we provide you with the services YOU actually want and need, not the services we want you to buy. We work quietly and steadily every day to improve our services

  • Bank 5
  • 79 North Main Street, Fall River, MA, 02720

  • BankFive, based in Fall River, Massachusetts, is the SouthCoast's premier independent community bank, and one of the top regional banks in the area. With 13 convenient banking locations in Swansea, Somerset, Fall River, Dartmouth, New Bedford, Fairhaven, and Bristol, RI, plus lending offices in Woburn, Wrentham, and Cranston, RI.

  • Santo Christo FCU
  • 149 Columbia Street, Fall River, MA, 02721

  • Santo Christo Federal Credit Union was founded in 1954 to serve the financial needs of members of Santo Christo Catholic Parish and St. Louis Catholic Parish in Fall River, Massachusetts; residents of Wards Two, Three and Four of Fall River Massachusetts. Today, we are a full service financial institution that exists for one reason

  • First Class Mortgage Company
  • 99 S. Main Street, Suite 154, Fall River, MA, 02721

  • Our mission is to serve our customers with honesty, integrity and competence. We specialize in Home Purchase Loans and Refinancing in MA and RI. 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

  • Fall River Municipal Credit Union
  • 333 Milliken Blvd, Fall River, MA, 02721

  • Fall River firemen gave birth to what is today the Fall River Municipal Credit Union. The beginning was humble to say the very least. It started with a Fall River firefighter, a state appointed finance board, and the impending threat of wholesale cuts in the pay of city employees

  • Dean Co-operative Bank
  • 21 Main Street, Franklin, MA, 02038

  • A full-service financial institution that stands by their promise: offering outstanding financial products and customer service and helping individuals, families and businesses to reach their goals and dreams. Since 1889, Dean Bank has been a community bank committed to its mutual bank charter. With 4 branches; Franklin, Bellingham, Blackstone and

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