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Rhode Island 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Rhode Island

Rhode Island has 5 counties with FHA Limits ranging from a low of $661,250 for a 1-bedroom unit in Bristol County to a high of $1,271,650 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.

Lowest Loan Limit ($1,271,650)
Highest Loan Limit ($1,271,650)

† 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 $661,250 $1,271,650 view details »
Kent County $661,250 $1,271,650 view details »
Newport County $661,250 $1,271,650 view details »
Providence County $661,250 $1,271,650 view details »
Washington County $661,250 $1,271,650 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 2023, the maximum loan limit in Rhode Island is $661,250 for a single-family home and $1,271,650 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.

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