FHA Loan Limits and USDA Eligibility in Rhode Island
2026 FHA one-unit limit in Rhode Island is $787,750. About 57% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $131,450 to $131,450. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Rhode Island
USDA Property Eligibility and Income Limits Map for Rhode Island
Rhode Island FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Bristol County | $787,750 | $131,450 |
| Kent County | $787,750 | $131,450 |
| Newport County | $787,750 | $131,450 |
| Providence County | $787,750 | $131,450 |
| Washington County | $787,750 | $131,450 |
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Loan Options in Rhode Island
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.
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