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Alabama down payment assistance programs

Quick answer

Alabama buyers can get down payment help from Alabama Housing Finance Authority. Its Step Up offers 4% of the sales price up to $10,000. Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Alabama offer?

ProgramAmountTypeMin. creditFirst-time only?
Step Up4% of the sales price up to $10,000Repayable second mortgage640See program

How do I apply for Alabama down payment assistance?

  1. Find a participating lender approved by Alabama Housing Finance Authority.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Alabama

HuntsvilleBirminghamMontgomeryMobileTuscaloosaHooverAuburnDothanMadisonDecatur

Other states with verified programs

ArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinoisIowa

Frequently asked questions

Step Up: 4% of the sales price up to $10,000.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

Published minimums range from 640 to 640 among the programs we verified.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.