Personal Banking

Helping more Rhode Islanders realize their dream of home ownership!

  • Up to 100% financing available*
  • Matching down payment grants available*
  • Great rates on 30-year fixed rate mortgages
  • Customizable loans make it affordable for you
  • Waived lender fees**
  • Closing cost assistance available
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Two Ways to Qualify

Qualify by Income

Total annual income for all borrowers must be at or below $64,480.

Represents 80% of area median income; subject to change.

​ Qualify by Property Location
With NO Income Requirements

This map is an approximation of eligible census tracts located in one of the following counties in Rhode Island: Bristol, Kent, Providence or Washington County in the following Towns: Bristol, Central Falls, Cranston, Cumberland, East Providence, Johnston, Newport, Pawtucket, Providence, Warren, West Warwick, Westerly and Woonsocket.

Please contact a Washington Trust Loan Officer for more detailed maps of eligible areas.

Short on Down Payment Funds?
I Luv RI Community Lending Can Help!

Down Payment Assistance Grants
Reduced Costs
Up to 1.5% matching funds grant Receive up to $2,500 in closing cost credits
Grant funds have no pay-back required We'll waive our lender fees
No strings attached We'll share the expense of mortgage insurance

Questions?

To learn more about Washington Trust’s I Luv RI Community Lending program, please contact Robin Hathaway, Community Relationship Officer, at 401-348-1200 x8384 or .

Email Robin

Washington Trust's Commitment

You will receive courteous, professional advice from our team of trusted advisors; a smooth streamlined process with our help every step of the way; an extensive product line to meet your specific life goals; local decision-making and quick closings.

NMLS #414726; Member FDIC; All loans subject to credit approval. Property must be located in an approved census tract and/or qualified applicant must be at or below 80% of area median income. Borrower(s) must be first-time homebuyers or have no current ownership in any other real estate. Owner-occupied primary residences only. Additional restrictions apply for 2-family residences. *Washington Trust will match up to 1.5% of a 3% downpayment as a non-repaid grant. **Washington Trust will waive the standard underwriting and processing fees.