Find grants, rebates, forgivable loans, and free programs for Providence, RI, filtered to your situation.
As of June 2026, 35 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Providence, RI, with individual awards up to $806,500. 11 programs target seniors, 4 serve veterans, and 14 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | Refunded to you after purchase | Energy-efficiency upgrades |
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The Statewide Home Repair Program, launched November 15, 2025, provides forgivable loans funded by Rhode Island's $120 m...
Mayor Smiley launched this program in partnership with the Providence Revolving Fund to help income-eligible homeowners ...
Providence's CDBG program operates as an Entitlement Community with approximately $4.1 million in CDBG funding for PY202...
Rhode Island's WAP provides free whole-house weatherization services to income-eligible households through seven local C...
Clean Heat Rhode Island's $25 million program provides incentives to encourage heat pump adoption for households heating...
Rhode Island Energy offers residential rebates for qualifying high-efficiency heating equipment and appliances, includin...
Rhode Island's LIHEAP program helps low-income households pay heating costs through grants paid directly to fuel vendors...
RIHousing's Extra Assistance program provides down payment assistance of up to 6% of the purchase price (max $20,000) to...
FirstGenHomeRI provides $25,000 in forgivable down payment and closing cost assistance (0% interest, no payments, forgiv...
Habitat for Humanity of Greater Providence and East Bay administers a Home Improvement Program using affordable payment ...
The VA's SAH grant (up to $126,526 in FY2026) helps veterans with severe service-connected disabilities purchase or adap...
VA-backed home loans give eligible Providence-area veterans, service members, and surviving spouses access to 0% down pa...
Providence provides property tax exemptions to qualifying veterans under state law (RI Gen. Law 44-3-4). Veterans with 1...
Providence offers a homestead property tax exemption to owner-occupants of their primary residence. To qualify, the prop...
Providence provides property tax exemptions to senior homeowners based on age and Social Security receipt. Homeowners ag...
Rhode Island was the first state in New England to launch the federal IRA HEAR program in September 2024, with $36.4 mil...
The FHA 203(k) loan allows Providence homebuyers and existing owners to finance both purchase (or refinance) and renovat...
USDA Section 504 provides 1% interest loans up to $40,000 to very-low-income homeowners for critical repairs, and grants...
The 25C tax credit covers 30% of costs for qualifying home energy improvements up to $3,200 annually. Up to $2,000 for h...
The IRA's Residential Clean Energy Credit gives Providence homeowners a 30% federal tax credit with no dollar cap for qu...
Federal Hill House leads Providence's VITA/EITC Coalition, a citywide partnership of eight sites providing free tax prep...
HUD-approved housing counselors in Providence provide free or low-cost guidance on homebuying, repair financing, foreclo...
RIHousing administers Rhode Island's HOME Investment Partnerships and Housing Trust Fund programs, providing low-interes...
Rhode Island's state CDBG program, administered by the Executive Office of Housing, allocates $16.6 million in 2025 fede...
Upgrade & Save RI is a comprehensive home energy efficiency program for Rhode Island homeowners offering rebates, incent...
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
The SBA Rhode Island District Office in Providence serves small businesses statewide with SBA 7(a) loans, 504 loans, and...
Rhode Island Commerce Corporation offers small business assistance including the Small Business Loan Fund and technical ...
The Rhode Island Department of Labor and Training administers WIOA services through American Job Centers in Providence. ...
Rhode Island's Child Care Assistance Program (CCAP) helps low-income working families pay for child care. Families choos...
Providence Community Action Program (ProCAP) and the City of Providence operate Head Start and Early Head Start programs...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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35 programs are currently listed for Providence, including Providence Revolving Fund, Statewide Home Repair Program, City of Providence Code Violation Home Repair Program, City of Providence CDBG Housing Rehabilitation Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Providence, 20 programs do not require repayment, 4 are forgivable loans, and 4 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.