Homeownership Down Payment Assistance Program (HDPA) - Mobile County
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Mobile County
Buying a home in Dauphin Island, AL
2 county programs and 9 statewide.Dauphin Island has no program of its own, 2 across Mobile 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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What’s local to Dauphin Island
No program of Dauphin Island’s own yet
No program run for Dauphin Island alone is listed. A home in Dauphin Island can use Mobile County’s programs below, plus the Alabama statewide and federal ones.
The closest city that runs its own program is Mobile, about 31 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MobileAnywhere in Mobile County
2 county programs2 county programs a Dauphin Island homebuyer can use
The Dauphin Island marketThe Dauphin Island housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Dauphin Island
- 83.5% single-familysingle-family
- 0.9% townhousetownhouse
- 5.7% 2–4 units2–4 units
- 9% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
About condos. None of Dauphin Island’s 2 local and county programs list condos as eligible. Homeownership Down Payment Assistance Program (HDPA) - Mobile County lists single family. Mobile County Homeownership Down Payment Assistance Program (HDPA) lists single-family detached dwelling unit. property must be owner-occupied, purchaser-occupied, or vacant at the time of purchase..
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dauphin Island’s homes were built
pre-19401970s2020+
29.5%
of Dauphin Island 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
County area median income, 4 people (HUD)HUD area median income, Mobile County, 4-person household (2026)
$67,206
Dauphin Island median household incomeMedian household income in Dauphin Island (Census, 2024)
15 of the 73 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 nearbyFree help near Dauphin Island
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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Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Dauphin Island questions
Does Dauphin Island have its own down payment program?
No program run for Dauphin Island alone is listed. A home in Dauphin Island can use the 2 programs that cover Mobile County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Dauphin Island?
None of Dauphin Island’s 2 local and county programs list condos as eligible. Homeownership Down Payment Assistance Program (HDPA) - Mobile County lists single family. Mobile County Homeownership Down Payment Assistance Program (HDPA) lists single-family detached dwelling unit. property must be owner-occupied, purchaser-occupied, or vacant at the time of purchase.. 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 Mobile County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Mobile 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 Dauphin Island?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36528
Nearby in Mobile
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.