Homeownership Assistance Program (HAP) - Baldwin County
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single Family
See details Jul 2026
Down payment assistance · Alabama
Buying a home in Baldwin County, AL
2 county-wide programs, plus 9 statewide and 62 nationwide.Baldwin has 2 programs that cover the whole county. On top of those, 9 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in BaldwinAnywhere in Baldwin County
2 programs for every Baldwin address2 programs that cover every Baldwin address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Daphne, Fairhope or Foley can use them. All 2 ask for a homebuyer class.
Habitat for Humanity of Baldwin County Homeownership Program
Down-payment assistance · New construction · Income limit 120% of AMI
Single Family
See details Jul 2026
AMI is HUD’s area median income for Baldwin, adjusted for household size. Each program publishes its own dollar limits.
The Baldwin marketThe Baldwin housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Baldwin
- 65.1% single-familysingle-family
- 1.6% townhousetownhouse
- 4% 2–4 units2–4 units
- 19% 5+ unitscondo & apartment buildings (5+ units)
- 10.4% mobile & othermobile home & other
About condos. None of the 2 county or city programs here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Baldwin’s homes were built
pre-19401970s2020+
18.3%
of Baldwin 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.
$102,400
HUD area median income, 4 people (FY2026)HUD area median income, Baldwin County, 4-person household (FY2026)
$78,775
Median household income (ACS 2024 5-year)Median household income in Baldwin (Census ACS 2024 5-year)
77.6%
of occupied homes are owner-occupied (Alabama: 70.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 73 programs here set their income limit as a share of Baldwin County’s area median income, adjusted for household size. See the published limits for Baldwin County
Free help in BaldwinFree help in Baldwin
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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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12 cities and placesA to Z
All cities in Baldwin CountyAll 12 cities and places in Baldwin County
Baldwin questions
Can I use a county program anywhere in Baldwin?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Baldwin County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Baldwin programs accept condos?
None of the 2 county or city programs here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Baldwin?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.