2026 loan limits in Providence County, Rhode Island
In Providence County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $787,750.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$787,750High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$816,321Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $787,750 |
| 2 units | $1,066,250 | $1,008,450 |
| 3 units | $1,288,800 | $1,219,000 |
| 4 units | $1,601,750 | $1,514,950 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Providence County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $816,321.
Questions
What is the 2026 conforming loan limit in Providence County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Providence County?
$787,750 for a one-unit home.
More for Providence County
Providence County property taxesFHA loan limits toolRhode Island closing costsAlbion 02802 market dataCentral Falls 02863 market dataChepachet 02814 market dataClayville 02815 market dataCranston 02910 market dataCranston 02920 market dataCranston 02921 market dataCumberland 02864 market dataEast Providence 02914 market dataFoster 02825 market data
2026 limits from HUD’s county files (Providence-Warwick, Ri-Ma). Conforming limits are set by the Federal Housing Finance Agency.