City of Providence Down Payment & Closing Cost Assistance Program
Forgivable loan · Income limits
Down payment assistance · Providence County
Buying a home in Johnston, RI
4 county programs and 11 statewide.Johnston 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 Johnston
No program of Johnston’s own yet
No program run for Johnston alone is listed. A home in Johnston 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 5 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 Johnston 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 Johnston
- 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 Johnston
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.
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Across Rhode Island and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Johnston questions
Does Johnston have its own down payment program?
No program run for Johnston alone is listed. A home in Johnston 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 Johnston?
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 Johnston?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Johnston. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
02919
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.