USDA Vs. FHA Pro and Con comparison in South-Kingstown, Washington County, RI
In 2026, the USDA loan limit for South-Kingstown, situated in Washington county of RI, is $404,800. Meanwhile, the FHA limit for a single-family home reaches $506,000.
Take advantage of the Lendersa® USDA loan calculator to compare the current best rates between USDA and FHA loans. Assess the income, credit, reserves, and necessary documents required for qualification. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in aligns best with your financial situation.
2026 Loan Limits and Down Payment Requirements in South-Kingstown, Washington County, RI
Loan Type
Loan Limit
Down Payment
USDA
$404,800
0%
FHA
$506,000
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Opportunities in South-Kingstown, RI
At Lendersa®, our objective is to secure the optimal USDA or FHA loan for you promptly and without hassle. Opt for one of three starting options to find matching lenders and USDA loan programs tailored to your needs.
The USDA home loan is supported by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Exclusively available in rural areas, the USDA loan contrasts with FHA loans that require a minimum down payment of 3.5%, as it doesn't need a down payment. This makes it particularly advantageous for eligible borrowers in rural settings.
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.
629 Boston Neck Rd, Unit C2, North Kingstown, RI, 02852
Lends in Rhode Island
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.
Peoples Home Loans, prides itself on it's outstanding mortgage origination service serving the needs of Real Estate Professionals, Real Estate Investors, Individual Home Buyers, Homeowners, CPAs and Financial Planners. With a full gamut of mortgage programs and products, we are dedicated to offering the best-fit mortgage to our perspective clients.
JVC offers a myriad of diverse commercial loan programs to commercial borrowers secured by any worthwhile commercial real estate. Joint Venture Capital , LLC was established in February 2008 during and as a response to one of the worst Finance Meltdowns in US History! No one offers a more diverse array of finance options or works harder than JVC
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.
Back Bay Mortgage Brokers is committed to providing our clients with the highest quality service while securing the best possible loan options available. Our expert mortgage professionals have over 20 years of mortgage lending and brokerage experience. We will work with you one on one to ensure that you get the right mortgage.
Washington Trust Mortgage Company LLC originates residential real estate mortgage loans, including construction, purchase and refinancing, through its offices in Massachusetts, Connecticut and Rhode Island. Our team of experienced mortgage professionals is dedicated to providing customized.
"Started in 1948, Westerly Community Credit Union (WCCU) has grown to a $257 million financial institution with over 18,250 members. Our members are served by 65 employees via 4 branches in RI; 2 in Westerly, 1 in Richmond, and 1 in South Kingstown.
Recently, the WCCU was awarded 'Best Places to Work 2018' by the Providence Business News"
