City of Providence Down Payment & Closing Cost Assistance Program
Forgivable loan · Income limits
Down payment assistance · Providence County
Buying a home in Foster, RI
4 county programs and 11 statewide.Foster has no program of its own, 4 across Providence County, and 11 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Foster
No program of Foster’s own yet
No program run for Foster alone is listed. A home in Foster can use Providence County’s programs below, plus the Rhode Island statewide and federal ones.
The closest city that runs its own program is Cranston, about 17 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 Foster 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 Foster
- Cranston — City of Cranston First-Time Homebuyers Closing Cost Assistance Program
- Providence — SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)
Income limits in Providence County
How programs here set their income limits
$112,100
County area median income, 4 people (HUD)HUD area median income, Providence County, 4-person household (2026)
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 Foster
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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.
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Across Rhode Island and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Foster questions
Does Foster have its own down payment program?
No program run for Foster alone is listed. A home in Foster 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 Foster?
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 Foster?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
02825
Nearby in Providence
Sources
Sources: agency sites (July 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.