Affordable mortgage and assistance programs to help you buy or renovate a home.
Courses and counseling to help you prepare for homeownership.
Find approved lenders through RIHousing’s statewide network.
$15,000 in assistance for down payment and/or closing costs in the form of a zero-percent (0%) interest rate loan.
$25,000 in down payment and/or closing cost assistance for first-generation homebuyers.
Looking to sell your home and buy a new one? Move Up loans require as little as 3% down!
$15,000 in assistance for down payment and/or closing costs in the form of a zero-percent (0%) interest rate loan.
When you find the home of your dreams, we want you to be ready. Our Homebuyer Education classes will arm you with what you need to know.
Customers who are first-time homebuyers are required to take a Homebuyer Education class prior to closing on a RIHousing loan.
Steps to Buying a Home, including the mortgage application process
Overview of RIHousing loan programs
Financial Considerations: credit, debt and planning for the future
Homebuyer Education is available through virtual or online classes.
Our First-time Homebuyer Loan helps buyers realize their dream of homeownership.
Conventional
Non-MRB, and FHA Refinance programs:
All MRB programs:
Contact our Loan Center directly if your annual household income is less than $137,160 (1-2 person household) or $160,020 (3+ person household)
Participating Lenders can assist you with our loan programs at any income level
The RIHousing Loan Center offers mortgages for first-time homebuyers, or current RIHousing mortgage holders who are looking to refinance their existing mortgage.
Wondering how much home you can afford? Find out now.
Check whether your current residence is located within an eligible census tract.
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).
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).
