2026 limits · 5 counties
Rhode Island 2026 loan limits for duplexes, triplexes and fourplexes
In Rhode Island, the 2026 FHA limit for a fourplex runs from $1,514,950 to $1,514,950. 0 of 5 counties sit at the national floor; the highest is 5 counties. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is the baseline $1,601,750 for a fourplex statewide.
Every county in Rhode Island
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Bristol County high-cost Providence-Warwick, RI-MA | $1,008,450 | $1,219,000 | $1,514,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kent County high-cost Providence-Warwick, RI-MA | $1,008,450 | $1,219,000 | $1,514,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newport County high-cost Providence-Warwick, RI-MA | $1,008,450 | $1,219,000 | $1,514,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Providence County high-cost Providence-Warwick, RI-MA | $1,008,450 | $1,219,000 | $1,514,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County high-cost Providence-Warwick, RI-MA | $1,008,450 | $1,219,000 | $1,514,950 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| Bristol County | $1,045,025 | $1,263,212 | $1,569,896 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Rhode Island
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 in Rhode Island. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.