RIHousing at rihousing.com provides first mortgage loans and DPA (Extra Assistance and 10kDPA) for qualifying Rhode Island buyers.

What is the 10kDPA program?

10kDPA provides $10,000 as a second loan for qualifying buyers who meet income limits. Verify current program status at rihousing.com.

How does Rhode Island's housing affordability compare to neighboring states?

Rhode Island has relatively high home-price-to-income ratios for New England, driven by proximity to Boston and limited housing inventory.

Are there homebuyer education requirements?

RIHousing requires homebuyer education for most programs. Approved courses are listed at rihousing.com.

Where can I find a HUD counselor in Rhode Island?

HUD lists approved housing counselors at hud.gov/states/rhode_island.

Mortgages in Rhode Island

Rhode Island is the smallest state with among the highest home-price-to-income ratios in New England. Providence metro prices are elevated by Boston-market spillover and limited housing supply.

More Rhode Island guides

Personal Loans in Rhode Island Auto Insurance in Rhode Island Homeowners Insurance in Rhode Island Renters Insurance in Rhode Island Auto Loans in Rhode Island Student Loans in Rhode Island Life Insurance in Rhode Island High-Yield Savings in Rhode Island

Mortgages by state

All states Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming