City of Providence Down Payment & Closing Cost Assistance Program
Forgivable loan · Income limit 80% of AMI
See details Jul 2026
Down payment assistance · Rhode Island
Buying a home in Providence County, RI
4 county-wide programs, 2 cities with their own, plus 8 statewide and 62 nationwide.Providence has 4 programs that cover the whole county and 2 cities with a program of their own. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in ProvidenceAnywhere in Providence County
4 programs for every Providence address4 programs that cover every Providence address
All 4 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Providence, Cranston or Pawtucket can use them. All 4 are for first-time homebuyers and ask for a homebuyer class.
City of Cranston Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
See details Jul 2026
Central Falls Closing Cost Assistance Program
Assistance grant · Forgiven over 5 yrs · Income limit 80% of AMI
See details Jul 2026
City of Woonsocket First Home Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
See details Jul 2026
AMI is HUD’s area median income for Providence, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Providence cities with their own program
For a home inside that city, on top of the county-wide 4.A city program is for a home inside that city. Buying there? It sits on top of the 4 county-wide programs above.
The Providence marketThe Providence housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Providence
- 45.5% single-familysingle-family
- 3.9% townhousetownhouse
- 29.5% 2–4 units2–4 units
- 20.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. 1 of the 2 city programs list condos as eligible. City of Cranston First-Time Homebuyers Closing Cost Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Providence’s homes were built
pre-19401970s2020+
75.4%
of Providence 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
HUD area median income, 4 people (FY2026)HUD area median income, Providence County, 4-person household (FY2026)
$78,787
Median household income (ACS 2024 5-year)Median household income in Providence (Census ACS 2024 5-year)
56.9%
of occupied homes are owner-occupied (Rhode Island: 63.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 14 of the 76 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 in ProvidenceFree help in Providence
5 HUD-approved counseling agencies with an office in the county5 HUD-approved housing counseling agencies with an office in Providence County
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Providence County.
20 cities and placesA to Z
All cities in Providence CountyAll 20 cities and places in Providence County
has a program of its own
Providence questions
Can I use a county program anywhere in Providence?
The 4 county-wide programs cover homes anywhere in the county. City programs, like Cranston’s and Providence’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Providence County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Providence programs accept condos?
1 of the 2 city programs list condos as eligible. City of Cranston First-Time Homebuyers Closing Cost Assistance Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Providence?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies have an office in Providence County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.