RIHousing Extra Assistance Down Payment Program

RIHousing

Available Home Repair

About This Program

RIHousing Extra Assistance Down Payment Program is available in Providence, RI.

RIHousing's Extra Assistance program provides down payment assistance of up to 6% of the purchase price (max $20,000) to income-qualifying first-time homebuyers in Rhode Island, including Providence. The assistance is provided as a second loan at the same interest rate as the primary RIHousing mortgage with a 15-year term. A homebuyer education course is required.

Second loan: same rate as primary mortgage; up to 6% of price or $20,000.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Providence, RI, you can combine this program with other local help to cut your cost:

Key Details

  • Up to 6% of purchase price or $20,000 (whichever is less)
  • Second loan at same rate as primary RIHousing mortgage; 15-year term
  • First-time homebuyer required; income and price limits apply
  • Homebuyer education course required
  • Apply through a RIHousing-approved lender; call 401-457-1234

How to Apply

Get free help applying Visit Official Program Page Track this program

401-457-1234

A grant-savvy contractor in Providence, RI can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Providence early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: No deadline; apply through RIHousing-approved lender

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How do I apply for RIHousing Extra Assistance Down Payment Program in Providence, RI?

Apply directly with RIHousing using the official program link on this page or call 401-457-1234. There is no middleman and no fee.

Need a Contractor for This Grant?

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Find More Programs in Providence, RI

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