FHA VS Conventional loan in Middletown, Newport County, Rhode Island
In 2026, the conventional loan limit for Middletown, situated in Newport county, RI, is $726,200. Meanwhile, the limit for FHA loans on single-family homes is $661,250.
The Lendersa® Conventional loan calculator helps you compare today's top rates among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, view Conforming Conventional, USDA, FHA, and VA loans side by side for the best program in RI tailored to your financial needs.
2026 Loan Limits and Down Payment Requirements in Middletown, Newport County, RI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$473,800
0%
FHA
$661,250
3.5%
This table applies to the following zip codes: 2842
Loan Options for Conventional and FHA in Middletown, RI
Lendersa® is dedicated to helping you secure the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from one of three starting points for optimal matching of lenders and loan programs.
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 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.
55 John Clarke Road, Unit A16, Middletown, RI, 02842
Lends in Rhode Island
"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,"
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.
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.
