City of Providence Down Payment & Closing Cost Assistance Program
Forgivable loan · Income limits
Down payment assistance · Providence County
Buying a home in Pawtucket, RI
4 county programs and 11 statewide.Pawtucket 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.
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What’s local to Pawtucket
No program of Pawtucket’s own yet
No program run for Pawtucket alone is listed. A home in Pawtucket 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 4 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 Pawtucket 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 Pawtucket
- Cranston — City of Cranston First-Time Homebuyers Closing Cost Assistance Program
- Providence — SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)
The Pawtucket marketThe Pawtucket housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pawtucket
- 33.9% single-familysingle-family
- 3.3% townhousetownhouse
- 40.6% 2–4 units2–4 units
- 21.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pawtucket’s homes were built
pre-19401970s2020+
83.5%
of Pawtucket 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)
$68,310
Pawtucket median household incomeMedian household income in Pawtucket (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 Pawtucket
6 HUD-approved counseling agencies within 15 miles6 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
Pawtucket questions
Does Pawtucket have its own down payment program?
No program run for Pawtucket alone is listed. A home in Pawtucket 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 Pawtucket?
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 Pawtucket?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Pawtucket. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
02860 · 02861 · 02862
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.