USDA and FHA Pro and Con 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.
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.
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.
Onyx Capital Lending helps borrowers and investors access capital with a smooth, responsive process. Expect tailored loan options, honest communication, and support from application to closing. Ready to move your project forward? Contact Richard Morency to get started.
We're proud to meet the individual needs of individuals, families, and business owners throughout Rhode Island. As a full service commercial bank, we offer a range of products and services and a local team of experienced professionals who will take the time to get to know you and deliver them to you personally.
Our product offerings are structured to provide you with maximum flexibility in creating the right financing package for you. Many firms specialize in a single product focus such as lines of credit or SBA loans but they lack an ability to draw from other resources to help your business.
Mortgage Servicing Solutions provides residential mortgage customers with innovative servicing solutions. We understand how important homeownership is and our goal is to provide the highest standard of servicing support and customer care.
Founded in 2016 and headquartered in Providence, Rhode Island
One Custom House St, Suite 4, Providence, RI, 02903
Lends in Rhode Island
Founded in 2001 by Sean N. Marchionte and Richard R. Tasca, Bluedog Capital Partners, LLC is a boutique real estate investment firm located in the financial district of Providence, Rhode Island. Bluedog has built its portfolio of business through commercial real estate debt and equity investments ranging from single-family
MortgageGiver is a bold and innovative company whose structure and philosophy is created with you, the customer, in mind. Our Loan Originators are, without exception, knowledgeable, experienced, and established. Our management and production style is geared first and foremost toward processing and closing your mortgage transaction.
"NORTHBOROUGH HAS OVER 50 YEARS OF COMBINED REAL ESTATE EXPERIENCE IN THE COMMERCIAL LENDING ARENA. We are focused on direct lending and note purchases secured by commercial real estate in the New England market. THERE ARE MANY REASONS INVESTORS USE PRIVATE LENDERS OR SO CALLED “HARD MONEY” FOR THEIR PROJECTS. "
Foxpoint Lending is a private lender that delivers loans tailored for investment properties such as residential (non-owner occupied) and commercial real estate. We are based in Rhode Island, but partner with experienced real estate investors in multiple states.
Our loans are frequently termed asset-backed loans because they are backed by the col
Formed in 2012, Helping Hands has successfully been renovating neighborhoods and educating people about different homeownership options. We found a recurring problem for our clients – they needed better information about the purchase, refinance, and reverse mortgage loan process.
