Down-payment assistance
Habitat for Humanity of Morgan County Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Down payment assistance · Morgan County
Buying a home in Decatur, AL
1 Decatur program and 9 statewide.Decatur has 1 program of its own, 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 Decatur addresses
Decatur’s own program
The Decatur marketThe Decatur housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Decatur
- 69.9% single-familysingle-family
- 5.8% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 17.3% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
About condos. Decatur’s one local program does not list condos as eligible. Habitat for Humanity of Morgan County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Decatur’s homes were built
pre-19401970s2020+
55.5%
of Decatur 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.
$88,600
County area median income, 4 people (HUD)HUD area median income, Morgan County, 4-person household (2026)
$61,563
Decatur median household incomeMedian household income in Decatur (Census, 2024)
13 of the 72 programs here set their income limit as a share of Morgan County’s area median income, adjusted for household size. See the published limits for Morgan County
Free help nearbyFree help near Decatur
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Decatur’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Morgan County Homeownership Program asks 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
Decatur questions
Does Decatur have its own down payment program?
Yes, one: Habitat for Humanity of Morgan County Homeownership Program, a down-payment assistance for first-time homebuyers (new construction, income limits). It is for homes inside Decatur.
Can I use assistance on a condo in Decatur?
Decatur’s one local program does not list condos as eligible. Habitat for Humanity of Morgan County Homeownership Program lists single_family. 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 Morgan County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Morgan 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 Decatur?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Decatur. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35601 · 35602 · 35603 · 35609 · 35699
Nearby in Morgan
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.