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 Grand Bay, AL
2 county programs and 9 statewide.Grand Bay 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 Grand Bay
No program of Grand Bay’s own yet
No program run for Grand Bay alone is listed. A home in Grand Bay 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 23 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 Grand Bay homebuyer can use
The Grand Bay marketThe Grand Bay housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Grand Bay
- 76.9% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 2.6% 5+ unitscondo & apartment buildings (5+ units)
- 20.6% mobile & othermobile home & other
About condos. None of Grand Bay’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 Grand Bay’s homes were built
pre-19401970s2020+
42.1%
of Grand Bay 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)
$62,112
Grand Bay median household incomeMedian household income in Grand Bay (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 Grand Bay
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
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
Grand Bay questions
Does Grand Bay have its own down payment program?
No program run for Grand Bay alone is listed. A home in Grand Bay 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 Grand Bay?
None of Grand Bay’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 Grand Bay?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Grand Bay. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36541
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.