In 2026, the FHA loan limits set for Middletown County, Newport, RI are as follows: $661,250 for a single-family home, $846,500 for two-unit residences, $1,023,250 for three units, and $1,271,650 for four-unit structures.
The maximum allowable for conventional loans is $726,200 for a single-family dwelling, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to see today's optimal FHA rates and determine required downpayment, income, credit status, reserves, and necessary documents for qualification.
The Lendersa® calculator empowers you to compare the rates and terms of FHA loans with various other loan programs. Consider and contrast options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates data from thousands of lenders and promptly compares it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Middletown County, Newport, RI provides a thorough comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualifications such as income, reserves, and credit requirements.
| 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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