Down payment assistance income limits in Alaska
17 down payment assistance programs in Alaska publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Alaska county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Aleutians East | 2026 | $80,600 |
| Aleutians West Census Area | 2026 | $139,000 |
| Anchorage Municipality | 2026 | $135,100 |
| Bethel Census Area | 2026 | $83,000 |
| Bristol Bay | 2026 | $122,200 |
| Chugach Census Area | 2026 | $114,600 |
| Copper River Census Area | 2026 | $107,500 |
| Denali | 2026 | $146,200 |
| Dillingham Census Area | 2026 | $86,400 |
| Fairbanks North Star | 2026 | $116,300 |
| Haines | 2026 | $115,900 |
| Hoonah-angoon Census Area | 2026 | $95,700 |
| Juneau City And | 2026 | $137,500 |
| Kenai Peninsula | 2026 | $110,100 |
| Ketchikan Gateway | 2026 | $127,400 |
| Kodiak Island | 2026 | $113,100 |
| Kusilvak Census Area | 2026 | $55,800 |
| Lake And Peninsula | 2026 | $72,600 |
| Matanuska-susitna | 2026 | $119,300 |
| Nome Census Area | 2026 | $80,000 |
| North Slope | 2026 | $115,600 |
| Northwest Arctic | 2026 | $88,400 |
| Petersburg | 2026 | $95,200 |
| Prince Of Wales-hyder Census Area | 2026 | $82,300 |
| Sitka City And | 2026 | $123,800 |
| Skagway Municipality | 2026 | $134,800 |
| Southeast Fairbanks Census Area | 2026 | $89,800 |
| Wrangell City And | 2026 | $81,100 |
| Yakutat City And | 2026 | $114,200 |
| Yukon-koyukuk Census Area | 2026 | $71,000 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Affordable Housing Enhanced Loan Program (AHELP)Statewide · Statewide | 80% of area median incomeIncome limits follow the underlying AHFC first-mortgage program. When paired with First Home Limited (tax-exempt) or the Interest Rate Reduction for Low-Income Borrowers, AHFC FY2025 Low Income Limits (effective May 12, 2025) apply. Examples (4-person household): Anchorage Municipality $129,000; Aleutians East $114,300; Aleutians West $136,700; Bethel $114,300; Bristol Bay $117,200; Chugach $114,300; Copper River $114,300; Denali Borough $147,000; Dillingham $114,300; Fairbanks North Star Borough $114,900; Haines $114,300; Hoonah-Angoon $114,300; Juneau $128,700; Kenai Peninsula $114,300; Ketchikan Gateway $119,300; Kodiak Island $114,300; Kusilvak $114,300; Lake and Peninsula $114,300; Matanuska-Susitna $120,600; Nome $114,300; North Slope $114,300; Northwest Arctic $114,300; Petersburg $114,300; Prince of Wales-Hyder $114,300; Sitka $122,000; Skagway $125,100; Southeast Fairbanks $114,300; Wrangell $114,300; Yakutat $114,300; Yukon-Koyukuk $114,300. 1-person Anchorage limit $90,300; 8-person Anchorage limit $170,280. The AHELP option itself does not impose AHFC-specific income limits beyond those of the underlying loan and the DPA provider. | — |
| Closing Cost Assistance Program (Baranof Island Housing Authority)Sitka · Sitka City and Borough | 100% of area median incomeLess than 100% of Area Median Family Income (HUD). | — |
| Closing Cost Assistance Program (CCAP)Statewide · Statewide | See programNo AHFC-specific income limits apply to CCAP. Underlying FHA, VA, or USDA-RHS guidelines apply (USDA-RHS has its own income limit). For reference, FY2025 Alaska Low Income Limits (effective May 12, 2025), 4-person household: Anchorage $129,000; Fairbanks North Star $114,900; Juneau $128,700; Mat-Su $120,600; Kenai Peninsula $114,300; Ketchikan Gateway $119,300; statewide low limit $114,300. | — |
| First Home Limited (Tax-Exempt Program / TEP)Statewide · Statewide | $114,300By borough/census area and household size (1-2 person / 3+ person), non-targeted eff. 05/07/2025. Examples: Anchorage $129,000 / $148,350; Fairbanks $114,900 / $132,135; Juneau $128,700 / $148,005; Denali $147,000 / $169,050; All Other Areas $114,300 / $131,445. Targeted areas (eff. 06/01/2026): Anchorage tracts 6.01/6.02/9.01/11.01 $162,120 / $189,140; all other targeted tracts $144,360 / $168,420. Household income = income of all parties signing the deed of trust and taking title, annualized gross. | $544,232 |
| Habitat for Humanity Anchorage Homeowner ProgramAnchorage · Anchorage | 60% of area median incomeHousehold income 30%-60% of Anchorage median income for family size. | — |
| Home Opportunity Program (HOP)Fairbanks North Star Borough; Southeast Fairbanks Census Area; Matanuska-Susitna Borough; Kenai Peninsula Borough; Copper River Basin (Glennallen, Valdez, Cordova); City and Borough of Juneau; Haines Borough; Ketchikan Gateway Borough; Petersburg Borough; Wrangell Borough; Sitka Borough; Kodiak Island Borough; and other Alaska areas outside the Municipality of Anchorage | 80% of area median incomeHousehold income must be at or below 80% of HUD median income, regionally adjusted by HUD/AHFC, with limits varying by community. Per ACDC HOP income table effective 6/1/2025, the income range across Alaska communities and household sizes 1-8 spans approximately $56,750 (1-person, lowest community) to $129,100 (8-person, highest community). 4-person 80% AMI for the Anchorage MSA (which is most representative for Alaska CDC's largest service areas, e.g., Mat-Su Borough) is $91,440 in HUD FY2025. Limits vary by region (Mat-Su, Kenai, Fairbanks, Juneau, Ketchikan, Sitka, Kodiak, etc.). Refer to ACDC HOP income table at https://www.alaskacdc.org/uploads/3/1/5/5/31559769/80__hop_-_sheet1.pdf for the full schedule by community. | — |
| Home Start Homeownership Program (Kodiak Island Housing Authority)Kodiak · Kodiak Island Borough | 80% of area median incomeMust not exceed 80% of the Median Family Income for Kodiak. | $300,000 |
| Home$tart Grant (Cook Inlet Lending Center)Anchorage · Statewide | 80% of area median incomeHousehold income at or below 80% HUD AMI by household size. Two tiers — Statewide Alaska (1-person $64,050 to 8-person $120,750) and Anchorage (1-person $72,250 to 8-person $136,250). Effective April 1, 2025. | — |
| Interest Rate Reduction for Low-Income Borrowers (IRRLIB)Statewide · Statewide | See programFamily income within AHFC IRRLIB area limits; reduction amount (0.5% vs 1%) depends on income and family size. | — |
| Mutual Self-Help Housing Program (RurAL CAP)Soldotna · Kenai Peninsula Borough | 80% of area median incomeUSDA adjusted limits <=80% of county median. Kenai Peninsula Borough (2026): family size 1-4 = $93,200; family size 5-8 = $123,300. | — |
| Native American Homeownership Initiative (NAHI) GrantAnchorage · Statewide | 80% of area median incomeHousehold income at or below 80% NAHASDA AMI by household size. Two tiers — Statewide Alaska (1-person $64,050 to 8-person $120,750) and Anchorage (1-person $72,250 to 8-person $136,250). Effective April 1, 2025. | — |
| NeighborhoodLIFT Down Payment Assistance (NeighborWorks Alaska)Statewide · Statewide | 100% of area median incomeAt or below program limits (up to AMI). 4-person ~$104,900 Anchorage / ~$92,400 Fairbanks North Star Borough. | — |
| New Home Construction Rebate (AHFC)Statewide · Statewide | See programNo income limits stated. | — |
| Rural Owner-Occupied Loan Program (ROOL)Statewide · Statewide | See programNo income limit on the base Rural Owner-Occupied loan. An income limit applies only if the borrower elects the optional Rural Enhanced Loan Program (RELP) rate reduction (eff. 06/01/2026, by household size 1-8): 100% level 4-person ~$126,050 most areas (Denali $146,200; Skagway $129,200; Ketchikan $127,400; Aleutians West $139,000); 80% level 4-person ~$95,750. RELP reduction applies to first $200,000 of loan. | — |
| State Veterans Interest Rate Preference (AHFC)Statewide · Statewide | See programBorrower family income may not exceed AHFC 'State Veteran' income limits. | — |
| Tribal Equity Advantage Mortgage (TEAM)Fairbanks · Fairbanks North Star Borough | 80% of area median incomeFamily income at or below HUD's 80% income limit. 2025 Alaska MFI $114,300 / Fairbanks $114,900; 80% 4-person ~$91,440 (Alaska) / $91,920 (Fairbanks). | $300,000 |
| Veterans Mortgage Program (Veterans Tax-Exempt)Statewide · Statewide | See programNo income limit on the Veterans Mortgage Program itself. (A separate State Veterans Interest Rate Preference option has its own income limits by area/household size, eff. 06/01/2026, e.g. Anchorage 4-person $106,800 - not part of this program and not combinable with it.) | — |
Questions, answered
What are the income limits for down payment assistance in Alaska?
17 down payment assistance programs in Alaska publish an income limit, a purchase price cap, or both. 10 express the limit as a percentage of the area median income for the county where the home is, and 8 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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