In 2026, the USDA loan limit for Smithfield, situated in the county of Providence, RI, is $473,800. Meanwhile, for a single-family home, the FHA limit is $661,250.
With the Lendersa® USDA loan calculator, you can weigh today's USDA and FHA rates to find the best fit, determining the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to select the optimal program in for your specific financial situation.
Loan limits and downpayment requirements for 2026 in Smithfield, Providence, RI
Loan Type
Loan Limit
Down payment
USDA
$473,800
0%
FHA
$661,250
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA loan options in Smithfield, RI
The aim of Lendersa® is to secure the best USDA or FHA loan efficiently and without hassle. Begin with one of three steps to access matching lenders and explore USDA loan programs.
A USDA home loan is a government-backed mortgage through the Department of Agriculture, often known as a USDA rural development loan. It is exclusively available in rural locations. Unlike FHA loans that necessitate a minimum 3.5% down payment, the USDA mortgage requires no down payment, enabling easier access to home ownership in rural areas.
Headquartered in San Diego with over a decade of experience, Hyde Funding represents what you want in a mortgage lender.
Hyde Funding specializes in all home purchase transactions, from Jumbo, FHA, First Time Home Buyer, Veteran, Conforming, Rehab, Cash Out, Hard Money and anything outside the box.
9683 Tierra Grande St, Suite 102, San Diego, CA, 92126
Integrity Mortgage Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
8996 Miramar Road, Suite 230, San Diego, CA, 92126
Our mission is to provide you with the highest quality mortgage and refinancing services. Our loans are tailored to fit your personal needs at some of the most competitive rates in the nation. We are committed to serving the communities where we live and work, helping to providing mortgage solutions and to strengthen communities to improve lives,
9460 Mira Mesa Boulevard, Suite K, San Diego, CA, 92126
JP Real Estate & Mortgage Inc owner of the Jenny Pham is real estate during the crash: buyers couldn't buy and sellers couldn't sell. Equity was a fancy thing and lending was tight. I navigated through the waves of shortsales, foreclosures, and loan mods with emotional sellers and doubting buyers.
7940 Silverton Ave, Suite 101A, San Diego, CA, 92126
Our mission is to serve our customers with honesty, integrity and competence. 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 that can arise while securing a loan.
We are a full service mortgage broker started in 2004 that follows the Golden Rule and offers five star service and the best rates in the business. We offer conventional, subprime, construction, renovation, jumbo, FHA, VA and USDA loans as well as private mortgages. We look forward to the opportunity to provide you with five star service.
32172-A Camino Capistrano, Suite A, San Juan Capistrano, CA, 92675
Mares Mortgage is rated first, locally & recommended as the most convenient home loan option. A standard that has been perfected for more than two decades. When Cutberto started providing loans in 1993, he did not just want to provide quality financing. Honesty, Integrity, Customer Service, not something you often hear about in a mortgage company.
31726 Rancho Viejo Road, Suite 209, San Juan Capistrano, CA, 92675
RSI Financial Services is a direct lender and mortgage broker headquartered in San Juan Capistrano, California. Founded in 2003, RSI Financial Services provides a range of home loan options for buying and refinancing. Our experienced loan professionals are dedicated to helping you through the loan process
31910 Del Obispo Street, Suite 100, San Juan Capistrano, CA, 92675
Hybrid Agents in our brokering platform can choose from many different lending sources to give consumers the best available product, rates, cost, and service. We partner with some of the most competitive investors in the industry. Hybrid Agents practicing lending and real estate use a fully integrated
