USDA and FHA Pro and Con in Newport, Newport County, RI

In 2026, the USDA loan limit set for Newport, within Newport county of RI, is $473,800. Meanwhile, the FHA limit for a single-family home is $661,250.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side-by-side, aiding your decision on the best program in for your financial goals.

Review offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Newport, Newport County, RI

Loan Type Loan Limit Down Payment
USDA $473,800 0%
FHA $661,250 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Newport, RI

Lendersa® is dedicated to finding you the best possible USDA or FHA loan quickly and with ease. Choose from one of three pathways that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results displayed

Understanding the USDA Loan in RI

A USDA home loan is officially backed by the Department of Agriculture and is known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans demand no down payment, making them especially advantageous for qualifying buyers in rural communities.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Assured Mortgage Company
  • 285 West Bullard Avenue, Suite 103, Fresno, CA, 93704
  • Assured Mortgage Company are a friendly firm of Mortgage Professionals who are happy to meet with you face to face or over the phone or email to provide a service that’s right for you. Our Services include offering advice and solutions on Mortgages. Our aim is to leave you worry free about your funding source because you know you are in safe hands.

  • Peerless Lending, Inc.
  • 5200 N. Palm Ave, Suite 114, Fresno, CA, 93704
  • Peerless Lending work with multiple wholesale providers of mortgage products of all types - FHA, VA, Conventional, USDA, CalHFA, Jumbo, Alt QM, etc. Based on our clients personal situation and profile, we will work to link them to the product most aligned with their goals. Our mission is to provide the best mortgage advice

  • De Young Mortgage
  • 677 W Palmdon Drive Suite #208a, Fresno, CA, 93704
  • De Young Mortgage, Inc. a local San Joaquin Valley California home mortgage broker, is a one-stop financing resource for all homebuyers and homeowners,which aims to make the home loan process both simple and satisfying.Since 2012, De Young Mortgage has been helping homeowners in the Clovis & Fresno area finance the American Dream of home ownership.

  • HML Investments
  • 3151 West Cahuenga Blvd suite 300, Los Angeles, CA, 90068
  • California Hard Money Lenders, Los Angeles Hard Money, Trust deed investments specialist, Hard money lending solution- we are a direct source for Hard money loans in California. HML Investments Group was founded by Yanni Raz in 2004. Since then, it has been providing hard money loans for hundreds of residential, commercial and construction.

  • United Mortgage Corporation of America
  • 18274 Cumulus Ct, Santa Clarita, CA, 91350
  • The United Mortgage Corporation of America team is committed to providing clients with the highest quality financial services combined with offer an array of complimentary mortgage tools available on the Internet – with 24/7 access for easy, convenient, online pre-approvals and applications for jumbo, conventional, FHA and VA loan programs.

  • Great Western Home Loans Inc
  • 21080 Centre Pointe Parkway, Santa Clarita, CA, 91350
  • Great Western is at the forefront of providing cutting edge mortgage products to its clients with speed and integrity and also We are experts in lending options for new homes, existing homes, Refinancing, second homes, rentals, tourist visa/foreign buyers financing programs and Home Loans We are experts in lending options for new homes.

  • America Capital Funding Inc
  • 28419 Connick Place, Saugus, CA, 91350
  • We are a full-service mortgage company based in Santa Clarita, California. We specialize in Construction, FHA, Jumbo and VA mortgage loans as well as Commercial Loans in Santa Clarita. We also serve the surrounding cities in Los Angeles County and the entire State of California and Idaho.

  • Mid Valley Services, Inc.
  • 7644 N Palm Ave, Fresno, CA, 93711
  • Welcome to Mid Valley Financial (MVF), the premier mortgage provider in Central California. With over 35 years of experience in Fresno, California, we have established ourselves as a trusted name among local real estate agents, title companies, and lenders. Our commitment to excellence has made us a leading provider of real estate loans across Cali

  • Mount Saber
  • 2350 W. Shaw Suite 140, Fresno, CA, 93711
  • Our firm collaborates with real estate investors throughout California. We diligently provide services for hard-to-fund loans, requiring a detailed approach to discover funding solutions. With 20 years of experience, our licensed brokers have established a vast network of private funding investors.

  • Fresno First Bank
  • 7690 N. Palm Avenue, Suite 101, Fresno, CA, 93711
  • Fresno First Bank is dedicated to the banking needs of businesses, professionals, & successful individuals throughout Central CA. We believe businesses & individuals want the "hands-on, know your customer"​ approach. It is our mission to provide a full range of banking services differentiated by an ability to tailor & adjust services quickly.