Rhode Island Housing Rehabilitation Refinance Program

Rhode Island Housing

Available Home Repair

About This Program

Allows Rhode Island homeowners to refinance their mortgage and add up to $50,000 for home repairs and improvements. Offers competitive interest rates and flexible terms for needed repairs, energy upgrades, or accessibility modifications.

Refinance includes cost of repairs rolled into new mortgage

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Refinance mortgage with up to $50,000 for repairs
  • Competitive interest rates
  • Income limits apply
  • Covers major repairs and improvements
  • Must be owner-occupied in Rhode Island

How to Apply

Get free help applying Visit Official Program Page Track this program

(401) 457-1234

A grant-savvy contractor in Wakefield, RI can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Wakefield early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications

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