State Buyer Programs
First-Time Home Buyer
Programs in Rhode Island
Down payment assistance, transfer tax rates, and what to expect at closing when buying your first home in Rhode Island.
Rhode Island First-Time Buyer Overview
Your state's HFA is the primary source for below-market mortgages and down payment assistance programs.
Income limits apply; check RIHousing's current tables.
Learn more →Rhode Island has no real estate transfer tax. Recording fees are nominal.
Rhode Island is an attorney-state. A licensed RI attorney must conduct the closing.
Tools for Buying Your First Home in Rhode Island
Pre-approval, inspection, insurance, and moving — the same trusted tools, relevant wherever you're buying in Rhode Island.
Get Pre-Approved
Get a real pre-approval letter in about 3 minutes with no origination fee and no commission-hungry loan officer. Fully online — you won't get pressured into a bigger loan.
Get Pre-Approved →See real mortgage rates from multiple lenders side by side without your credit score taking a hit. Takes 3 minutes and you don't have to commit to anything.
Compare Rates →Home Inspection
Never skip the inspection. Inspectify lets you book a certified home inspector in your area in seconds. Digital reports, same-day availability in most markets.
Book an Inspection →Home Insurance
Get a homeowners insurance quote in 90 seconds. Lemonade uses AI to underwrite policies faster than any traditional insurer — and claims are often paid in minutes.
Get a Quote →Home Warranty
When the HVAC dies three weeks after closing, you'll be glad you have a home warranty. AHS covers major systems like HVAC, plumbing, and electrical — plus appliances.
View Plans →Moving
Get quotes from licensed movers in your area. Moving.com vets companies for licensing and insurance so you're not handing your stuff to a random guy with a truck.
Get Moving Quotes →Looking for a different state?
← View All States