AHFA Step Up
AHFA Step Up is a deferred 2nd 0% int 30-yr from Alabama Housing Finance Authority. Available statewide in Alabama. Up to $20,000 or Up to 4% toward a home purchase. For first-time buyers. Income limit: 80% AMI.
Up to $20,000 or Up to 4%
Listed as open as of May 2026
Available statewide in Alabama.
| First-time buyer | Required |
|---|---|
| Income limit | 80% AMI |
| Minimum credit score | 620 |
| Maximum DTI | 50% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide AL |
| Property types | SFR, condo |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/USDA/Conv |
| Sales price cap | Per county |
| Repayment | 0% deferred 30-yr |
| Stacking | MCC stackable |
Provider: Alabama Housing Finance Authority · program details at the provider’s site.
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