For 2026, the FHA loan limits in Jamestown county, part of Newport, RI, are defined as follows: a single-family home is $661,250, while for two-unit homes it’s $846,500, for three-unit homes it is $1,023,250, and $1,271,650 for four-unit homes.
Conventional loan limits for a single-family home reach a maximum of $726,200. For housing with two units, it extends to $929,850, three units are allowed a maximum of $1,123,900, and it rises to $1,396,800 for four-unit properties.
Check out our FHA calculator to access today’s optimal rates and to calculate the necessary down payment, income requirements, credit assessment, reserves, and the documents needed for qualification.
The Lendersa® calculator is a tool to compare the rates and terms of FHA loans with various other loan programs. Individuals can explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates a vast amount of data from thousands of lenders, quickly tailoring comparisons to fit your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Jamestown county, within Newport, RI, allows you to compare the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification factors such as income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™)
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $661,250 | $846,500 | $1,023,250 | $1,271,650 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $473,800 | $473,800 | $473,800 | $473,800 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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