Forgivable loan
Down Payment Assistance Program
Income limits · Single-Family · Townhome · Condo
Down payment assistance · Jefferson County
Buying a home in Birmingham, AL
2 Birmingham programs, 2 county programs and 9 statewide.Birmingham has 2 programs of its own, 2 more across Jefferson County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Birmingham addresses
Birmingham’s own programs
Down-payment assistance
HABD Housing Choice Voucher (HCV) Homeownership Program
First-time homebuyers · Income limits · Single Family
Anywhere in JeffersonAnywhere in Jefferson County
2 county programs2 county programs a Birmingham homebuyer can also use
The Birmingham marketThe Birmingham housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Birmingham
- 58% single-familysingle-family
- 2% townhousetownhouse
- 6.7% 2–4 units2–4 units
- 32.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. 1 of Birmingham’s 4 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Birmingham’s homes were built
pre-19401970s2020+
71.6%
of Birmingham homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$104,100
County area median income, 4 people (HUD)HUD area median income, Jefferson County, 4-person household (2026)
$46,051
Birmingham median household incomeMedian household income in Birmingham (Census, 2024)
16 of the 75 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help nearbyFree help near Birmingham
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Birmingham questions
Does Birmingham have its own down payment program?
Yes, 2: Down Payment Assistance Program and HABD Housing Choice Voucher (HCV) Homeownership Program. Each is for homes inside Birmingham.
Can I use assistance on a condo in Birmingham?
1 of Birmingham’s 4 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Jefferson County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Jefferson County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Birmingham?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Birmingham. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35201 · 35202 · 35203 · 35204 · 35205 · 35206 · 35207 · 35208 · 35209 · 35210 · 35211 · 35212 · 35213 · 35214 · 35215 · 35216 · 35217 · 35218 · 35219 · 35220 · 35221 · 35222 · 35223 · 35224 · 35225 · 35226 · 35228 · 35229 · 35230 · 35231 · 35232 · 35233 · 35234 · 35235 · 35236 · 35237 · 35238 · 35240 · 35242 · 35243 · 35244 · 35245 · 35246 · 35249 · 35253 · 35254 · 35255 · 35259 · 35260 · 35261 · 35263 · 35266 · 35277 · 35278 · 35279 · 35280 · 35281 · 35282 · 35283 · 35285 · 35286 · 35287 · 35288 · 35289 · 35290 · 35291 · 35292 · 35293 · 35294 · 35295 · 35296 · 35297 · 35298 · 35299
Nearby in Jefferson
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.