Down-payment assistance
Marshall County Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Down payment assistance · Marshall County
Buying a home in Guntersville, AL
1 Guntersville program and 9 statewide.Guntersville 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 Guntersville addresses
Guntersville’s own program
The Guntersville marketThe Guntersville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Guntersville
- 75.5% single-familysingle-family
- 2.3% townhousetownhouse
- 13.1% 2–4 units2–4 units
- 7.4% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
About condos. Guntersville’s one local program does not list condos as eligible. Marshall County Habitat for Humanity Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Guntersville’s homes were built
pre-19401970s2020+
50.4%
of Guntersville 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.
$89,900
County area median income, 4 people (HUD)HUD area median income, Marshall County, 4-person household (2026)
$67,929
Guntersville median household incomeMedian household income in Guntersville (Census, 2024)
13 of the 72 programs here set their income limit as a share of Marshall County’s area median income, adjusted for household size. See the published limits for Marshall County
Free help nearbyFree help near Guntersville
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Guntersville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Marshall County 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
Guntersville questions
Does Guntersville have its own down payment program?
Yes, one: Marshall County Habitat for Humanity Homeownership Program, a down-payment assistance for first-time homebuyers (new construction, income limits). It is for homes inside Guntersville.
Can I use assistance on a condo in Guntersville?
Guntersville’s one local program does not list condos as eligible. Marshall County 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 Marshall County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Marshall 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 Guntersville?
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
35976
Nearby in Marshall
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.