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RI
Rhode Island
2024 Loan Rules & Limits
📊 Loan Limits (2024)
Conforming Limit
$862,500
FHFA single-family baseline
FHA Floor
$862,500
HUD single-family baseline
High-Cost Area: Parts of Rhode Island may qualify for loan limits up to $1,149,825. Check with your lender for county-specific limits.
💰 Tax Climate
State Income Tax
Yes
🏛️ State Housing Agency
RIHousing
Available Programs
- RIHousing First Down
- RI Down Payment Assistance
📋 Lending Notes
Entire state elevated due to Providence MSA proximity to Boston. Smallest U.S. state — market tracks Boston closely.
Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.