City of Providence Down Payment & Closing Cost Assistance Program
Forgivable loan · Income limits
Down payment assistance · Providence County
Buying a home in Smithfield, RI
4 county programs and 11 statewide.Smithfield 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 Smithfield
No program of Smithfield’s own yet
No program run for Smithfield alone is listed. A home in Smithfield 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 10 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 Smithfield 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 Smithfield
- 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 Smithfield
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
Smithfield questions
Does Smithfield have its own down payment program?
No program run for Smithfield alone is listed. A home in Smithfield 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 Smithfield?
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 Smithfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Smithfield. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
02917
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.