All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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RIHousing's primary first mortgage program, offering up to 100% financing (no down payment required) plus down payment/closing-cost assistance for eligible buyers statewide, available through RIHousing's Loan Center or participating lenders. Loan Center mortgages are subject to household income limits that vary by area and household size; participating-lender loans are not income-restricted the same way.
0%-interest, no-monthly-payment second loan providing $15,000 for down payment and/or closing costs, repaid only when the borrower sells, transfers, or vacates the home; must be paired with a RIHousing-funded first mortgage from a Participating Lender or the Loan Center. Minimum 660 credit score.
Estimated all-in monthly payment for a home price you have in mind.
Check which down payment assistance programs you likely qualify for.
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
Rhode Island's 0.75% conveyance tax is the seller's bill by statute. But at a $525,000 median price, you still need roughly $120,750 in cash to close.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.