Is there down payment assistance in Alabama?

Yes. 10 down payment assistance programs are listed for Alabama: 4 statewide and 5 county or city programs, plus national options that apply everywhere.

What is the largest down payment grant listed for Alabama?

The largest listed grant amount for Alabama is $15,000. Amounts and eligibility vary by program and are not a quote or approval.

Down payment assistance in Alabama

10 programs are listed for Alabama: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city and regional providers. Every amount and rule below comes from the provider’s published terms.

Programs

Statewide

County and city

$15,000

Largest listed grant

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Statewide programs

AHFA Step Up

Deferred 2nd 0% int 30-yr · Up to $20,000 or Up to 4% · Alabama Housing Finance Authority
AHFA Affordable Income Subsidy Grant

Forgivable grant · Up to $15,000 or Up to 1% · AHFA
Alabama MCC

Tax credit · Up to $2,000 · AHFA
AHFA Mortgage Credit Certificate (MCC)

mortgage_credit_certificate · Up to $2,000 or Up to 50% · Alabama Housing Finance Authority

County and city programs

Birmingham Ready to Own

forgivable_loan · Up to $10,000 · City of Birmingham Community Development / Neighborhood Housing Services
City of Mobile First-Time Homebuyer Program

deferred_loan · Up to $15,000 · City of Mobile Neighborhood Development
Mobile County Down Payment Assistance

grant · Up to $10,000 · Mobile County Grants Department
Jefferson County (AL) Down Payment Assistance

forgivable_loan · Up to $7,500 · Jefferson County Department of Community Development
Montgomery Housing Authority Home Ownership Program

second_loan · Amount varies by program · Montgomery Housing Authority

Multi-state programs covering Alabama

FHLB Atlanta First-Time Homebuyer

Grant · Up to $15,000 · FHLB Atlanta

National programs

38 federal and national programs apply in every state. See the national programs.

Find your Alabama match

Tell Cal how to reach you and a licensed loan officer will narrow these 10 programs to the ones your income, county, and credit actually fit. No spam, no list-selling.