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Down payment assistance

Down payment assistance in Rhode Island

Statewide and federal programs every Rhode Island buyer can consider — plus a city-by-city directory below. Free to explore, no credit pull.

Statewide + federal
73

Statewide + federal

Open to first-time buyers
27

Open to first-time buyers

Forgivable
58

Forgivable

Largest award
$126,526

Largest award

73 programs

Across Rhode Island

11 programs

FHLBank Boston Lift Up Homeownership

Federal Home Loan Bank of Boston (via participating member financial institutions)

Up to $40,000

Assistance grant · Forgiven over 5 yrs · Income limits

First-time
Verified Jul 2026

FHLBank Boston Equity Builder Program (EBP)

Federal Home Loan Bank of Boston (via participating member financial institutions)

Up to $32,099

Assistance grant · Income limits

First-time
Verified Jul 2026

FHLBank Boston Housing Our Workforce (HOW)

Federal Home Loan Bank of Boston (via participating member financial institutions)

Up to $25,000

Forgivable loan · Forgiven over 5 yrs · Income limits

Verified Jul 2026

FirstGenHomeRI Down Payment Assistance

RIHousing (Rhode Island Housing and Mortgage Finance Corporation)

Up to $25,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jul 2026

RIHousing Extra Assistance Down Payment & Closing Cost Loan

RIHousing (Rhode Island Housing and Mortgage Finance Corporation)

Up to $20,000

Repayable second loan · Income limits

First-time
Verified Jul 2026

RIHousing 15kDPA Down Payment Assistance

RIHousing (Rhode Island Housing and Mortgage Finance Corporation)

Up to $15,000

Deferred second loan · Income limits

First-time
Verified Jul 2026

RI REALTORS Homebuyer Grant

RIHousing in partnership with The REALTOR Foundation: Rhode Island

Up to $2,000

Assistance grant · Income limits

First-timeVeterans
Verified Jul 2026

RI AnchorHome

Rhode Island Office of the General Treasurer

First mortgage

First mortgage · Income limits

First-time
Verified Jul 2026

RIHousing First-time Homebuyer Loan (First Mortgage)

RIHousing (Rhode Island Housing and Mortgage Finance Corporation)

First mortgage

First mortgage · New construction · Income limits

First-time
Verified Jul 2026

USDA Section 502 Direct Loan Program (Rhode Island)

USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office)

100% of price

First mortgage · New construction · Income limits

Verified Jul 2026

USDA Section 502 Guaranteed Loan Program (Rhode Island)

USDA Rural Development, Rural Housing Service (Single Family Housing Guaranteed Loan Program), through approved lenders

100% of price

First mortgage · New construction · Income limits

Verified Jul 2026

Federal

62 programs

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Up to $126,526

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

First mortgage

Nationwide
Verified Jul 2026

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jul 2026

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jul 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area
Verified Jul 2026

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide
Verified Jul 2026

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide
Verified Jul 2026

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area
Verified Jul 2026

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jul 2026

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide
Verified Jul 2026

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jul 2026

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jul 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jul 2026

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jul 2026

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide
Verified Jul 2026

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jul 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide
Verified Jul 2026

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide

Cities in Rhode Island

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