Down payment assistance · Alabama

Buying a home in Alabama

37 programs: 9 statewide, the rest run by counties and 7 cities. What you can use depends on where the home is.37 programs across Alabama: 9 statewide, the rest run by counties and 7 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Jefferson	4	$240,000	$104,100	See Jefferson
Mobile	4	$190,700	$83,300	See Mobile
Lee	3	$262,200	$108,900	See Lee
Montgomery	3	$171,900	$88,800	See Montgomery
All 67 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.

Anywhere in Alabama

9 statewide programs

Up to $20,000

RCLF Alabama Down Payment Assistance Program

Forgivable loan · Income limits · First-time · Veterans

See details

Up to $2,000

Mortgage Credit Certificate (MCC)

Mortgage credit certificate · Income limits · First-time

See details

Grant

First Step

Assistance grant · New construction · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

24 HUD-approved counseling agencies in Alabama24 HUD-approved housing counseling agencies in Alabama

5 of the 9 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.5 of the 9 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Income limitsIncome limits and price caps in AlabamaArea median income for all 67 counties, and the limit each program sets.See the limits

Alabama questions

What is RCLF Alabama Down Payment Assistance Program?

RCLF Alabama Down Payment Assistance Program, a forgivable loan for first-time homebuyers (income limits), open anywhere in Alabama and run by Renaissance Community Loan Fund (RCLF). Its page has the details and a link to the official site.

Which Alabama counties run their own programs?

14 counties of 67 have a county or city program listed, among them Jefferson, Mobile, Lee and Montgomery. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Alabama?

Many programs ask for one. 5 of the 9 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Alabama condo?

5 of the 9 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.

7 Alabama cities with their own program