Down-payment assistance
Shoals Habitat for Humanity Affordable Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Lauderdale County
Buying a home in Florence, AL
1 Florence program and 9 statewide.Florence 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 Florence addresses
Florence’s own program
The Florence marketThe Florence housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Florence
- 64.3% single-familysingle-family
- 1.5% townhousetownhouse
- 10.3% 2–4 units2–4 units
- 23% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
About condos. Florence’s one local program does not list condos as eligible. Shoals Habitat for Humanity Affordable Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Florence’s homes were built
pre-19401970s2020+
61.5%
of Florence 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.
$95,900
County area median income, 4 people (HUD)HUD area median income, Lauderdale County, 4-person household (2026)
$52,174
Florence median household incomeMedian household income in Florence (Census, 2024)
14 of the 72 programs here set their income limit as a share of Lauderdale County’s area median income, adjusted for household size. See the published limits for Lauderdale County
Free help nearbyFree help near Florence
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Florence’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Shoals Habitat for Humanity Affordable 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
Florence questions
Does Florence have its own down payment program?
Yes, one: Shoals Habitat for Humanity Affordable Homeownership Program, a down-payment assistance for first-time homebuyers (new construction, income limits). It is for homes inside Florence.
Can I use assistance on a condo in Florence?
Florence’s one local program does not list condos as eligible. Shoals Habitat for Humanity Affordable 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 Lauderdale County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Lauderdale 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 Florence?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Florence. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35630 · 35631 · 35632 · 35633 · 35634
Nearby in Lauderdale
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.