Homeownership Down Payment Assistance Program (HDPA) - Mobile County
Forgivable loan · Forgiven over 10 yrs · Income limit 80% of AMI
Single Family
See details Jul 2026
Down payment assistance · Alabama
Buying a home in Mobile County, AL
2 county-wide programs, 1 city with their own, plus 9 statewide and 62 nationwide.Mobile has 2 programs that cover the whole county and 1 city with a program of their own. 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 MobileAnywhere in Mobile County
2 programs for every Mobile address2 programs that cover every Mobile address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Mobile, Prichard or Tillmans Corner can use them. All 2 ask for a homebuyer class.
Mobile County Homeownership Down Payment Assistance Program (HDPA)
Forgivable loan · Forgiven over 10 yrs · Income limit 120% of AMI
Single-family detached dwelling unit. Property must be owner-occupied, purchaser-occupied, or vacant at the time of purchase.
See details Jul 2026
AMI is HUD’s area median income for Mobile, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Mobile city with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Mobile marketThe Mobile housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Mobile
- 73.3% single-familysingle-family
- 1.3% townhousetownhouse
- 3.8% 2–4 units2–4 units
- 14.5% 5+ unitscondo & apartment buildings (5+ units)
- 7.1% mobile & othermobile home & other
Condos count. 0 of the 2 county-wide programs and 1 of the 2 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Mobile’s homes were built
pre-19401970s2020+
50.8%
of Mobile 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.
$83,300
HUD area median income, 4 people (FY2026)HUD area median income, Mobile County, 4-person household (FY2026)
$58,880
Median household income (ACS 2024 5-year)Median household income in Mobile (Census ACS 2024 5-year)
66%
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. 16 of the 75 programs here set their income limit as a share of Mobile County’s area median income, adjusted for household size. See the published limits for Mobile County
Free help in MobileFree help in Mobile
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Mobile County
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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Mobile County.
14 cities and placesA to Z
All cities in Mobile CountyAll 14 cities and places in Mobile County
has a program of its own
Mobile questions
Can I use a county program anywhere in Mobile?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Mobile’s, 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 Mobile 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 Mobile programs accept condos?
0 of the 2 county-wide programs and 1 of the 2 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Mobile?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Mobile County. 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.