Community Lending Programs for Rhode Island Homeowners

Affordable loans for home repairs and improvements.

Already a homeowner?

RIHousing’s Community Lending programs offer affordable financing to help homeowners maintain, repair, and improve their homes. These programs support safety, accessibility, and essential upgrades, helping Rhode Islanders protect their investment, strengthen neighborhoods, and keep their homes safe and livable.

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LeadSafe Homes Program

The Program provides financial assistance to eligible homeowners to remediate their property for lead.  Either homeowner or tenant can initiate the remediation process.

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Septic / Sewer

Rhode Island homeowners may have cesspools, substandard septic systems or are required to tie-in to existing sewer lines.
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Access Independence II

Loans of up to $50,000 are available for families and caregivers of people with developmental disabilities for home modification.

Are you a Newport resident?

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

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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).