Rhode Island 2025 FHA Loan Limits
Loan Limits in Rhode Island
Rhode Island has 5 counties with FHA Limits ranging from a low of $736,000 for a 1-bedroom unit in Bristol County to a high of $1,415,400 for a 4-bedroom unit in Bristol County.
For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Rhode Island's counties, choose the county from the interactive map or the list below.
Highest Loan Limit ($1,415,400)
† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.
Loan Limits by County in Rhode Island (5 counties)
| County | Single Unit Limit (lowest) | Four-Plex Limit (highest) | |
|---|---|---|---|
| Bristol County | $736,000 | $1,415,400 | view details » |
| Kent County | $736,000 | $1,415,400 | view details » |
| Newport County | $736,000 | $1,415,400 | view details » |
| Providence County | $736,000 | $1,415,400 | view details » |
| Washington County | $736,000 | $1,415,400 | view details » |
How to qualify for an FHA Loan in Rhode Island?
To qualify for an FHA loan in Rhode Island, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Rhode Island is $736,000 for a single-family home and $1,415,400 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.
Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Rhode Island. Additional restricts apply. Click on the Rhode Island map above or the table below to see loan limits in your area.