Rhode Island · Forgivable loan

FirstGenHomeRI (Rhode Island)

$25,000

$25,000 forgivable loan for first-generation homebuyers. 0% interest, forgiven over 5 years.

Rhode Island's FirstGenHomeRI provides $25,000 as a forgivable grant for first-generation homebuyers. The program targets the racial and economic wealth gap by providing significant DPA to buyers whose parents don't own property.

$25,000 in Rhode Island's market can cover the full down payment on a home up to $714,000 with FHA financing. The forgiveness feature means qualifying buyers keep the entire $25,000 as equity if they meet occupancy requirements.

Amount$25,000
TypeForgivable loan
Available inRhode Island
First-time buyer requiredYes
Minimum credit score660
Multi-unit eligibleYes — 1-4 units

House-hack eligible

$25K forgivable in 5 years for first-gen buyers. One of the best first-gen programs nationally.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
RIHousing 15K DPA (Rhode Island) $15,000
Rhode Island · Deferred 0% loan
RIHousing Extra Assistance (RI) $20,000
Rhode Island · DPA program
RI Statewide DPA Grant $17,500
Rhode Island · Grant
All Rhode Island programs →

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