During 2026, the USDA loan limit in Newport-East, Newport county, RI is stipulated at $404,800, whereas the FHA cap for a single-family home is $506,000.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today. This will help determine the necessary income, creditworthiness, reserves, and documentation required for qualification. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $404,800 | 0% |
| FHA | $506,000 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to efficiently provide you with the best USDA or FHA loan options with minimum inconvenience. Choose one of three initial steps that will lead to finding matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available solely in rural areas. This type of loan requires no down payment, unlike FHA loans which mandate a minimum of 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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