City of Providence Down Payment & Closing Cost Assistance Program
Forgivable loan · Income limits
Down payment assistance · Providence County
Buying a home in Chepachet, RI
4 county programs and 11 statewide.Chepachet has no program of its own, 4 across Providence County, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
What’s local to Chepachet
No program of Chepachet’s own yet
No program run for Chepachet alone is listed. A home in Chepachet can use Providence County’s programs below, plus the Rhode Island statewide and federal ones.
The closest city that runs its own program is Providence, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ProvidenceAnywhere in Providence County
4 county programs4 county programs a Chepachet homebuyer can use
2 more programs are for homes in Cranston and Providence. See them 2 programs in neighboring cities — for homes inside those cities, not Chepachet
- Cranston — City of Cranston First-Time Homebuyers Closing Cost Assistance Program
- Providence — SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)
The Chepachet marketThe Chepachet housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Chepachet
- 50.9% single-familysingle-family
- 5.3% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 2.7% 5+ unitscondo & apartment buildings (5+ units)
- 35.8% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Chepachet’s homes were built
pre-19401970s2020+
60.8%
of Chepachet homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$112,100
County area median income, 4 people (HUD)HUD area median income, Providence County, 4-person household (2026)
$92,971
Chepachet median household incomeMedian household income in Chepachet (Census, 2024)
16 of the 77 programs here set their income limit as a share of Providence County’s area median income, adjusted for household size. See the published limits for Providence County
Free help nearbyFree help near Chepachet
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Rhode Island and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Chepachet questions
Does Chepachet have its own down payment program?
No program run for Chepachet alone is listed. A home in Chepachet can use the 4 programs that cover Providence County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Chepachet?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Providence County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Providence County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Chepachet?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Chepachet. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
02814
Nearby in Providence
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.