In 2026, for Tiverton in Newport county, RI, the USDA loan limit is $473,800, whereas the FHA cap is $661,250 for single-family homes.
Use the Lendersa® USDA loan calculator to analyze the best USDA vs. FHA rates today, evaluating your needed income, credit, reserves, and documentation for eligibility. Through our sophisticated mortgage calculator, you can see all options—USDA, FHA, Conforming, and VA—side by side, helping you to determine the optimal financial program in your Alabama locale.
Review loan offers from a variety of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $473,800 | 0% |
| FHA | $661,250 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® assures you the best USDA or FHA loan quickly and without complications. Start your journey by choosing one of three pathways that result in matching with prospective lenders for USDA loan programs.
A USDA home loan, endorsed by the U.S. Department of Agriculture and often termed a USDA rural development loan or USDA mortgage, is offered only in rural locations. These loans, unlike FHA options which require at least a 3.5% down payment, do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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