Down-payment assistance
Gadsden-Etowah Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Etowah County
Buying a home in Gadsden, AL
1 Gadsden program and 9 statewide.Gadsden 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 Gadsden addresses
Gadsden’s own program
The Gadsden marketThe Gadsden housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gadsden
- 75.3% single-familysingle-family
- 1.7% townhousetownhouse
- 8.3% 2–4 units2–4 units
- 11.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.9% mobile & othermobile home & other
About condos. Gadsden’s one local program does not list condos as eligible. Gadsden-Etowah Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gadsden’s homes were built
pre-19401970s2020+
81.4%
of Gadsden 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.
$78,600
County area median income, 4 people (HUD)HUD area median income, Etowah County, 4-person household (2026)
$40,345
Gadsden median household incomeMedian household income in Gadsden (Census, 2024)
13 of the 72 programs here set their income limit as a share of Etowah County’s area median income, adjusted for household size. See the published limits for Etowah County
Free help nearbyFree help near Gadsden
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Gadsden’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Gadsden-Etowah Habitat for Humanity 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
Gadsden questions
Does Gadsden have its own down payment program?
Yes, one: Gadsden-Etowah Habitat for Humanity Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Gadsden.
Can I use assistance on a condo in Gadsden?
Gadsden’s one local program does not list condos as eligible. Gadsden-Etowah Habitat for Humanity 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 Etowah County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Etowah 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 Gadsden?
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
35901 · 35902 · 35903 · 35904 · 35905 · 35907
Nearby in Etowah
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.