USDA VS FHA in Portsmouth, Newport County, RI

In 2025, the USDA loan cap set for Portsmouth, in Newport county of RI, is $473,800. Meanwhile, the FHA lending limit for a single-family residence is set at $661,250.

Try Lendersa® USDA loan calculator for a detailed comparison of today's leading USDA and FHA rate terms. By determining the needed income, creditworthiness, reserves, and necessary documents, you can qualify easily. Our sophisticated calculator displays USDA, FHA, Conforming, and VA options side by side — assisting in selecting the best program for your finances in .

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Loan limits and down payment details in Portsmouth, Newport county, RI for 2025

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

USDA and FHA loan choices in Portsmouth, RI

The objective at Lendersa® is to facilitate the fastest, most hassle-free access to an USDA or FHA loan. Start with one of our three pathways to align with suitable lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

Explaining USDA Loans in RI

A USDA home loan, supported by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is limited to rural areas. Unlike FHA loans which require a minimum of 3.5% down payment, USDA mortgages require zero down payment.

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



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