USDA Vs. FHA Pro and Con comparison in Warren, Bristol County, RI

In 2026, the USDA loan limit in Warren of Bristol county, RI, is $404,800, while the FHA limit stands at $661,250 for a single-family home.

Compare USDA vs. FHA today using Lendersa®'s USDA loan calculator to assess the best rates, and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side-by-side, helping you decide which program in best fits your financial situation.

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2026 loan limits and downpayment requirements in Warren, Bristol county, RI

Loan Type Loan Limit Down Payment
USDA $404,800 0%
FHA $661,250 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA loan choices in Warren, RI

At Lendersa®, our goal is to provide you with the most suitable USDA or FHA loan swiftly and without difficulty. Choose one of three starting points to match with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in RI

A USDA home loan is a government-backed loan by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, accessible solely in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • 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.

  • 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.

  • Goldmark Federal Credit Union
  • 155 Pleasant Street, Attleboro, MA, 02703
  • Goldmark has served the financial needs of members since 1955. In that year, five local citizens saw a need for people to save and borrow money through an institution focused on people helping people. Their goal was to form a credit union, which is a not-for-profit cooperative owned and controlled by members, for members. The five original members

  • Attleboro Municipal Employees Federal Credit Union
  • 138 South Main Street, Attleboro, MA, 02703
  • In June 1963, a small group of city employees met in an upstairs room of the South Main Street Fire Station (now the Attleboro Council on aging) to discuss forming a municipal credit union. This credit union would provide a convenient means of saving, and also provide members with low interest loans.

  • Bristol County Savings Bank
  • 130 Pleasant St, Attleboro, MA, 02703
  • Bristol County Savings Bank, founded in 1846, is a full-service financial institution offering commercial lending, personal and business banking, and mortgage services. The Bank’s Financial Advisory Services division has successfully assisted businesses, individuals and non-profits with the management of their assets since 1989.

  • BankNewport
  • 184 John Clarke Road, Middletown, RI, 02842
  • BankNewport is proud to be your community bank. Founded in 1819, we are one of the oldest mutual savings banks not only in Rhode Island, but in the entire United States. Currently holding $1.6 Billion in assets, BankNewport is an FDIC-insured savings bank and a subsidiary of the Mutual Holding Company, OceanPoint Financial Partners, MHC.

  • People’s Credit Union
  • 858 West Main Road, Middletown, RI, 02842
  • People’s Credit Union is a community Credit Union that has served the people of Rhode Island and Southeastern Massachusetts since 1922. People's Credit Union is owned by its members and is a not-for-profit, cooperative financial institution. We operate 6 branches located in Bristol, Middletown, Newport, North Kingstown, Portsmouth, and Wakefield.

  • Newport Mortgage LLC
  • 55 John Clarke Road, Unit A16, Middletown, RI, 02842
  • "Newport Mortgage LLC is a residential, and commercial mortgage company, located in Newport RI. Newport Mortgage LLC is owned and operated by Mark Jernstedt.
    Mr. Jernstedt brings over 25 years of experience, originating residential and commercial loans. When you apply for a loan with Newport Mortgage LLC,"

  • South Wind Financial, Inc.
  • 1356 Atwood Avenue, Johnston, RI, 02919
  • 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.

  • My City Personal Loan's
  • 53 Belleville Rd, New Bedford, MA, 02745
  • We want to hear from you and are available to help you find a lender as quickly as possible. No matter what your credit score is or don’t have one, contact us today. We want to help you find a lender who can offer you a loan for bad credit that fits your needs. You don’t have to pay us anything – our services are completely free.

  • Hard Money Rhode Island
  • 3 Anne Drive, Lincoln, RI, 02865
  • 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.

  • St. Anthony of New Bedford Federal Credit Union
  • 1743 Acushnet Avenue, New Bedford, MA, 02746
  • St. Anthony of New Bedford Federal Credit Union is your local credit union. We are a federally chartered community credit union. Anyone living, working or having business within Bristol County is eligible to join.St. Anthony of New Bedford Federal Credit Union, a member owned co-operative, is a full service financial institution offering a variety