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Rhode Island Housing Home Repair Loans

Rhode Island Housing · State program

Up to $25,000 as a 20-year, fixed-rate, low-interest loan

Rhode Island Housing offers low-interest loans of up to $25,000 for homeowners to repair and improve existing homes. The official state fact sheet says the money can cover repairs and improvements, including septic repair or replacement.

Last verified: July 28, 2026
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Program details

How it works

Rhode Island Housing provides low-interest home repair loans for repairing and improving existing homes. The official state fact sheet says the program can help with repairs and improvements, including septic system repair or replacement.

Amounts and terms

  • Maximum loan: $25,000.
  • Loan term: 20 years.
  • Rate: fixed-rate, low-interest.
  • Fees: no points, application fees, or other charges.

What the money covers

The source specifically says the loans can be used for repairing and improving existing homes, including septic system repair or replacement. It does not list other covered projects on the fact sheet.

How to get more information

The fact sheet directs homeowners to contact RI Housing at the phone number and email listed on the document for current rates and additional details.

Full eligibility details

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