USDA and FHA Pro and Con in Smithfield, Providence County, RI
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.
From the very beginning, our mission has been to improve the financial lives of our members throughout Rhode Island. We are committed to the financial well being of the families, businesses and communities we have proudly been serving. Now at more than $3 billion in assets, Navigant Credit Union is among the largest credit unions in Rhode Island.
South Wind Financial Inc. Rhode Island branch provides Mortgage Broker Services to Rhode Island, Massachusetts, Connecticut, and Florida areas. We pride ourselves on ensuring that our customers are totally satisfied with our services and get the best loan possible. Picking the right mortgage firm can be challenging.
The PGE FCU was established in 1927 to serve the banking needs of the Employees of the United States Postal Service. Since then we have extended that service to certain employees of the USA. Membership is also available to certain family members of existing Credit Union Members. As you will see, we are a full-service financial institution.
As a leading hard money lender, our focus is more on collateral and less on your financial situation. If you have satisfying collateral, we can close your hard money loan in a matter of days. We can close loans quicker than traditional loans. Get your Funds closed quicker than with usual loans.
Capital Good Fund is a nonprofit, U.S. Treasury-certified Community Development Financial Institution that helps people fix their finances. We offer small loans and personalized Financial + Health Coaching to families in Rhode Island, Florida, Massachusetts, Delaware, Illinois, Texas and Colorado.
188 Valley Street, Suite 225, Providence, RI, 02909
Lends in Rhode Island
It’s the shortest path to your new home. We’ve compressed a meandering journey into a Beeline. We’re inverting the power imbalance felt during the home loan process so you don’t feel small, judged or interrogated — only included and at ease. we’ve succeeded when it no longer feels daunting — but feels less important than your housewarming party.
Cumberland Municipal Employees Federal Credit Union
2145 Diamond Hill Road, Cumberland, RI, 02864
Lends in Rhode Island
Cumberland Municipal Employees Federal Credit Union of Cumberland, RI has 1163 members and assets of $7.5 million. The Credit Union, opened in 1962, as the Cumberland School Employees Credit Union. Then in 1993 it was changed to Cumberland Municipal Employees Federal Credit Union.
Woodlawn Federal Credit Union strive to offer services designed to improve the economic and social well-being of ALL of our members no matter the socio-economic background, and return financial value to all those who participate in our member owned financial cooperative. and also Woodlawn FCU is more committed than ever to helping people.
Our mission is to provide qualified individuals with high quality mortgage programs that are tailored to fit their unique situation at the most competitive rates in the nation. Anchor Financial Mortgage, Inc. is committed to delivering quality mortgages to our clients and lending partners.
