What down payment help can you actually get?
Most first-time buyers in this market are held back by cash, not income — and never find out that up to $25,000 exists to fix exactly that. This works out which programs you qualify for, what they’re genuinely worth, and which constraint is really setting your ceiling.
This is an estimate, not a pre-approval, and not an offer of credit. Seaport Real Estate Services and Seaport Advisory are a real estate brokerage. We are not a lender, a mortgage broker, or a housing finance agency, and we cannot approve you for a loan, reserve assistance funds, or determine your eligibility for any program. Only CHFA, RIHousing and their participating lenders can do that. Nothing here creates a lending relationship or a commitment of any kind.
Program terms change without notice, and they have. Time To Own’s maximum was reduced and its opportunity-area tiering removed; at least one Rhode Island grant round has opened and closed inside four months. Several national websites still publish figures that are more than a year out of date. Every program figure used here carries an as-of date in the source strip above. If that date is not recent, treat the output as historical and confirm the current terms directly with the agency or a participating lender before acting.
Assistance funding is finite and first-come. These programs have run out of money before and will again. Being shown as eligible here does not mean funds remain available, and nothing on this page reserves anything. Check the agency’s own funding status the same week you intend to apply.
Every number is an estimate built from public data and general assumptions. It is not an appraisal, a loan estimate, a Closing Disclosure, an insurance quote, or a tax determination. Property tax uses the town rate and assessment ratio shown and excludes fire, borough and other special district levies, which are real and material in parts of this footprint. Mortgage insurance factors are industry midpoints, not a quote for your file — your actual factor depends on credit score, loan type and coverage level. Purchase price ceilings reflect what a lender uses to qualify you and deliberately exclude maintenance, utilities, and the rest of the cost of running a house.
Nothing you type here is collected, transmitted or stored. This tool runs entirely in your browser. There is no server behind it and no submission of any kind. One caution: the shareable link encodes your inputs, including income and savings, into the web address itself. If you copy that link, treat it as you would any other financial document and send it only to people you intend to see those figures.
Equal Housing Opportunity. Seaport Real Estate Services supports and complies with the Fair Housing Act and equal opportunity in housing. This tool applies the published eligibility criteria of the programs it describes and makes no assessment of any person. It does not evaluate creditworthiness, and its output must not be read as an indication that any person will or will not be approved for financing.
Verify property tax with the town assessor, financing and assistance eligibility with a participating lender, insurance with a licensed agent, and tax treatment with a CPA or attorney before you act on any figure. Seaport Real Estate Services and Seaport Advisory make no warranty, express or implied, as to the accuracy or completeness of anything shown here, and accept no liability for any decision made in reliance on it. Not lending, tax, legal, or insurance advice.