Down Payment and Closing Extra Assistance in Rhode Island

Affordable assistance for homebuyers.

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RIHousing’s Extra Assistance program provides down payment assistance to eligible first-time homebuyers in Rhode Island. The program is designed to help homebuyers with what is often the biggest hurdle to homeownership: the down payment.

Eligibility

eligibility
Terms and Conditions
  • Up to 6% of the purchase price, or $20,000, whichever is lower
  • Interest rate on an Extra Assistance loan will be the same as the interest rate on your RIHousing first mortgage
  • No fees or charges
  • An Extra Assistance loan is a second mortgage lien on your home
  • 15 year term

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Are you a Newport resident?

Check whether your current residence is located within an eligible census tract.

Newport-Census-Map

Only residents of census tract 405 are eligible for the FirstGenHomeRI pilot program.

The map on the left shows the approximated eligible region.

Unsure if your address is part of the eligible region?

Type in your address below to find out (Include street #, street name, Newport, RI).

Data mapped by PolicyMap, an online GIS mapping tool.

Do you live in Central Falls, Pawtucket, Newport or East Providence?

Check whether your current residence is located within an eligible census tract for application prioritization.

Applications from residents who live in the census tract listed below are prioritized.

Central Falls 44007010900, 44007010800, 44007011100, 44007011000
Pawtucket 44007016000, 44007015300, 44007015100, 44007015200, 44007015500, 44007016600, 44007016700, 44007017000, 44007017100, 44007016100, 44007016400
Newport 44005040500, 44005041100
East Providence 44007010100, 44007010501

Type in your address below to learn if you are in the targeted area. (Include street #, street name, city, RI).