Programs by loan typePrograms by loan type · Rhode Island
Down payment assistance you can pair with a USDA loan in Rhode Island
7 programs name USDA loans: 7 statewide.7 programs in Rhode Island name USDA loans among the first mortgages they can be paired with: 7 open statewide.
Two approvals, made separately. The lender underwrites the USDA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the USDA loan; the assistance program reviews its own application. A program naming USDA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
The 7 programs, closest first
Open anywhere in Rhode Island
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Rhode Island. Listed A–Z within each group, not ranked.
In a Rhode Island city 0 programs
No Rhode Island city program names USDA. 2 cities run a program of their own.No Rhode Island city program names USDA loans in its record. 2 Rhode Island cities run a program of their own. Browse Rhode Island cities →
Anywhere in Rhode Island 7 programs
Can sit alongside a city or county program where both allow it- FirstGenHomeRI Down Payment AssistanceUp to $25,000 · Forgivable loan · First-time homebuyers
- RI REALTORS Homebuyer GrantUp to $2,000 · Assistance grant · First-time homebuyers
- RIHousing 15kDPA Down Payment AssistanceUp to $15,000 · Deferred second loan · First-time homebuyers
- RIHousing Extra Assistance Down Payment & Closing Cost LoanUp to $20,000 · Repayable second loan · First-time homebuyers
- RIHousing First-time Homebuyer Loan (First Mortgage)First mortgage · First-time homebuyers
- USDA Section 502 Direct Loan Program (Rhode Island)First mortgage
- USDA Section 502 Guaranteed Loan Program (Rhode Island)First mortgage
Nationwide 25 programs · not in the 7
Nationwide: 25 more, not in the 725 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 7 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 5 of 7
ask for a homebuyer education class.
- 5 of 7
are limited to first-time homebuyers, as each program defines it.
- 3 · 1 · 1
are first mortgages, assistance grants and deferred second loans. The other 2 are 1 forgivable loan and 1 repayable second loan.
Free help in Rhode IslandFree help in Rhode Island
5 HUD-approved counseling agencies in Rhode Island5 HUD-approved housing counseling agencies in Rhode Island
5 of 7 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.5 of 7 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
Free account → 90-second match → your counselors · Sign in
Keep going
More of Rhode Island’s programs
Questions, answered
Can down payment assistance be used with a USDA loan in Rhode Island?
7 programs in Rhode Island name USDA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming USDA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.