Down-payment assistance
Habitat for Humanity of the River Valley Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Madison County
Buying a home in Huntsville, AL
2 Huntsville programs and 9 statewide.Huntsville has 2 programs 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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Huntsville’s own programs
Forgivable loan
Homeownership Assistance Program (HOAP)
First-time homebuyers · Income limits · Single-family home, townhome, condo (within Huntsville city limits)
The Huntsville marketThe Huntsville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Huntsville
- 63.1% single-familysingle-family
- 3.4% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 24.4% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
Condos count. 1 of Huntsville’s 2 local and county programs accept condos. Habitat for Humanity of the River Valley Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Huntsville’s homes were built
pre-19401970s2020+
43.6%
of Huntsville 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.
$115,100
County area median income, 4 people (HUD)HUD area median income, Madison County, 4-person household (2026)
$74,714
Huntsville median household incomeMedian household income in Huntsville (Census, 2024)
14 of the 73 programs here set their income limit as a share of Madison County’s area median income, adjusted for household size. See the published limits for Madison County
Free help nearbyFree help near Huntsville
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies 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
Huntsville questions
Does Huntsville have its own down payment program?
Yes, 2: Habitat for Humanity of the River Valley Homeownership Program and Homeownership Assistance Program (HOAP). Each is for homes inside Huntsville.
Can I use assistance on a condo in Huntsville?
1 of Huntsville’s 2 local and county programs accept condos. Habitat for Humanity of the River Valley 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 Madison County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Madison 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 Huntsville?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Huntsville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35801 · 35802 · 35803 · 35804 · 35805 · 35806 · 35807 · 35808 · 35809 · 35810 · 35811 · 35812 · 35813 · 35814 · 35815 · 35816 · 35824 · 35893 · 35894 · 35895 · 35896 · 35897 · 35898 · 35899
Nearby in Madison
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.