Down payment assistance income limits in Alabama
37 down payment assistance programs in Alabama publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Alabama county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Autauga | 2026 | $88,800 |
| Baldwin | 2026 | $102,400 |
| Barbour | 2026 | $69,900 |
| Bibb | 2026 | $104,100 |
| Blount | 2026 | $104,100 |
| Bullock | 2026 | $46,700 |
| Butler | 2026 | $66,300 |
| Calhoun | 2026 | $72,300 |
| Chambers | 2026 | $66,700 |
| Cherokee | 2026 | $73,600 |
| Chilton | 2026 | $85,100 |
| Choctaw | 2026 | $74,900 |
| Clarke | 2026 | $75,600 |
| Clay | 2026 | $74,200 |
| Cleburne | 2026 | $77,400 |
| Coffee | 2026 | $87,100 |
| Colbert | 2026 | $95,900 |
| Conecuh | 2026 | $58,000 |
| Coosa | 2026 | $73,400 |
| Covington | 2026 | $73,900 |
| Crenshaw | 2026 | $67,800 |
| Cullman | 2026 | $82,900 |
| Dale | 2026 | $76,500 |
| Dallas | 2026 | $51,400 |
| Dekalb | 2026 | $70,100 |
| Elmore | 2026 | $88,800 |
| Escambia | 2026 | $71,900 |
| Etowah | 2026 | $78,600 |
| Fayette | 2026 | $68,600 |
| Franklin | 2026 | $70,900 |
| Geneva | 2026 | $79,300 |
| Greene | 2026 | $45,700 |
| Hale | 2026 | $93,000 |
| Henry | 2026 | $84,400 |
| Houston | 2026 | $79,300 |
| Jackson | 2026 | $69,700 |
| Jefferson | 2026 | $104,100 |
| Lamar | 2026 | $68,700 |
| Lauderdale | 2026 | $95,900 |
| Lawrence | 2026 | $88,600 |
| Lee | 2026 | $108,900 |
| Limestone | 2026 | $115,100 |
| Lowndes | 2026 | $88,800 |
| Macon | 2026 | $55,500 |
| Madison | 2026 | $115,100 |
| Marengo | 2026 | $83,900 |
| Marion | 2026 | $72,100 |
| Marshall | 2026 | $89,900 |
| Mobile | 2026 | $83,300 |
| Monroe | 2026 | $65,700 |
| Montgomery | 2026 | $88,800 |
| Morgan | 2026 | $88,600 |
| Perry | 2026 | $41,500 |
| Pickens | 2026 | $67,000 |
| Pike | 2026 | $76,400 |
| Randolph | 2026 | $73,800 |
| Russell | 2026 | $85,800 |
| Saint Clair | 2026 | $104,100 |
| Shelby | 2026 | $104,100 |
| Sumter | 2026 | $52,700 |
| Talladega | 2026 | $76,100 |
| Tallapoosa | 2026 | $77,600 |
| Tuscaloosa | 2026 | $93,000 |
| Walker | 2026 | $78,100 |
| Washington | 2026 | $89,600 |
| Wilcox | 2026 | $57,700 |
| Winston | 2026 | $72,300 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Auburn Opelika Habitat for Humanity Homeownership ProgramOpelika · Lee | 60% of area median incomeHousehold income must be between 24% and 60% of the Area Median Income (AMI) for Lee County/Auburn-Opelika MSA (HUD-defined annually) | — |
| Autauga-Chilton Habitat for Humanity Homeownership ProgramPrattville · Autauga | See programMust fall within HUD income guidelines (specific AMI percentage and dollar table not published on affiliate website as of June 2026 — contact affiliate to confirm) | — |
| Calhoun Cleburne Habitat for Humanity Homeownership ProgramOxford · Calhoun | See programTotal annual household income must not exceed Habitat's limit for the applicant's family size (low-income households who would not qualify for a conventional mortgage). Specific dollar limits not published on site. | — |
| City of Montgomery HOME Down Payment AssistanceMontgomery · Montgomery | 80% of area median incomeLow-to-moderate income per HUD HOME program guidelines (at or below 80% AMI). Specific dollar amounts not confirmed from primary source. | — |
| City of Tuscaloosa Down Payment Assistance ProgramTuscaloosa · Tuscaloosa | 80% of area median incomeHOME-funded homebuyer assistance limited to low- to moderate-income households (HUD HOME limits, up to 80% AMI). | — |
| Down Payment Assistance ProgramBirmingham · Jefferson | 80% of area median incomeHousehold income must not exceed the current HUD income limit at 80% of AMI for the Birmingham-Hoover MSA. Limits adjust by household size and are updated annually by HUD. | — |
| Down Payment Assistance Program (City of Mobile)Mobile · Mobile County | 80% of area median incomeHUD income limits effective 6/1/2025 (household must earn less than): 1 person $45,650; 2 $52,200; 3 $58,700; 4 $65,200; 5 $70,450; 6 $75,650; 7 $80,850; 8 $86,100. | $193,000 |
| First StepStatewide · Statewide | $120,960Income limits effective 6/2/2025 are set by HUD per the IRS Mortgage Revenue Bond rules and vary by county HMFA/MSA, household size (Family 1-2 vs. Family 3+), and target/non-target area. NON-TARGET / TARGET (Family 1-2 / Family 3+): Birmingham-Hoover HMFA (Bibb, Blount, Shelby, Jefferson, St. Clair) $95,900/$110,285 non-target, $115,080/$134,260 target; Huntsville MSA (Limestone, Madison) $115,500/$132,825 non-target, $138,600/$161,700 target; Auburn-Opelika HMFA (Lee) $95,300/$109,595 non-target, $114,360/$133,420 target; Daphne-Fairhope-Foley MSA (Baldwin) $93,000/$106,950 non-target, $111,600/$130,200 target; Tuscaloosa HMFA (Tuscaloosa, Hale) $91,100/$104,765 non-target, $109,320/$127,540 target; Decatur MSA (Lawrence, Morgan) $89,600/$103,040 non-target, $107,520/$125,440 target; All Other Counties $86,400/$99,360 non-target, $103,680/$120,960 target. | $665,173 |
| Gadsden-Etowah Habitat for Humanity Homeownership ProgramGadsden · Etowah | See programHousehold income between 30% and 75% of Etowah County median family income (for families larger than 4, a higher amount allowed but not exceeding 60% of county AMI). Ability-to-pay: projected mortgage cannot exceed 30% of gross income; mortgage plus long-term debt cannot exceed 43%. All steady income counted. | — |
| HABD Housing Choice Voucher (HCV) Homeownership ProgramBirmingham · Jefferson | See programMust be an eligible Housing Choice Voucher participant meeting HUD/HABD income, employment, and credit criteria | — |
| Habitat for Humanity of Baldwin County Homeownership ProgramFoley · Baldwin | 120% of area median incomeGenerally up to 120% of area median income (AMI). Minimum income must support all homeownership expenses. Some partner funds/properties carry lower limits (typically 80% AMI). Current set effective May 11, 2026. | — |
| Habitat for Humanity of Greater Birmingham Homeownership ProgramFairfield · Jefferson | 80% of area median incomeTotal household income must fall within 40-80 percent of the Jefferson County area median income. | — |
| Habitat for Humanity of Morgan County Homeownership ProgramDecatur · Morgan | See programMonthly income band verified on site: 1-person min $2,617/max $4,187; 2-person $2,988/$4,780; 3-person $3,363/$5,380; 4-person $3,733/$5,973; 5-person $4,033/$6,453; 6-person $4,333/$6,933; 7-person $4,633/$7,413; 8-person $4,929/$7,887 (gross monthly, subject to change) | — |
| Habitat for Humanity of the River Valley Homeownership ProgramHuntsville · Madison | See programNo specific income table published. Applicants must show consistent, verifiable income sufficient to repay an affordable mortgage; employment applicants need at least 6 months continuous employment with the same employer. Housing need also a selection criterion. GAP: no numeric income floor/ceiling published. | — |
| Habitat for Humanity of Tuscaloosa Path to Homeownership ProgramTuscaloosa · Tuscaloosa County | 80% of area median incomeHousehold income at or below 80% of HUD AMI (before taxes/deductions, all household members counted). 2026 income guidelines vary by home size; e.g., 3BR/2BA home maximums approx: 1-2 person $51,050-$58,350; up to 6-person $80,950. Minimums approx $31,800-$37,500/yr depending on home/household. | — |
| Home Buyers Loan Program (City of Opelika)Opelika · Lee County | 80% of area median incomeTotal household income cannot exceed 80% of HUD area median for Auburn-Opelika, AL (FY2025-2029, median family income $95,300). 80% (moderate income) upper limits by household size: 1 person $53,400; 2 $61,000; 3 $68,650; 4 $76,250; 5 $82,350; 6 $88,450; 7 $94,550; 8 $100,650. | — |
| Homeownership Assistance Program (City of Auburn)Auburn · Lee County | 80% of area median incomeApplicants must meet HUD income limits for the Auburn-Opelika, AL area (program serves low- and moderate-income individuals). Exact dollar table not published on this page. | — |
| Homeownership Assistance Program (HAP) - Baldwin CountyBaldwin County | 80% of area median income2026 income limits for Baldwin County Metro Area at 80% of Area Median: 1 person $57,300; 2 $65,450; 3 $81,800; 4 $88,350; 5 $94,900; 6 $101,450; 7 $101,450; 8 $108,000. | — |
| Homeownership Assistance Program (HOAP)Huntsville · Madison | 80% of area median incomeHousehold income must be at or below 80% of HUD area median income for the Huntsville-Decatur-Albertville HUD Metro FMR Area, adjusted for household size; published HUD HOME income limits apply. | — |
| Homeownership Down Payment Assistance Program (HDPA) - Mobile CountyMobile County | 80% of area median income2026 HUD income limits (household must be at or below 80% AMI for Mobile County, revised annually): 1 person $69,950; 2 $79,950; 3 $89,950; 4 $99,950; 5 $107,950; 6 $115,950; 7 $123,950; 8 $131,950. (Disaster-recovery eligibility references up to 120% AMI for storm-impacted applicants.) | — |
| HOPE Affordable Housing Program | 120% of area median incomeNo income limit when purchasing in HUD-designated target areas; up to 120% of area median income (AMI) in non-target areas | — |
| HUD Section 184 Indian Home Loan Guarantee Program (Alabama) | See programNo income limit for Section 184; program is open to all income levels for eligible borrowers | — |
| Jefferson County Home Buyers Assistance ProgramJefferson | 80% of area median incomeLow-to-moderate income per HUD HOME program guidelines (at or below 80% AMI for Birmingham-Hoover MSA). Specific dollar amounts not confirmed from primary source. | — |
| Marshall County Habitat for Humanity Homeownership ProgramGuntersville · Marshall | See programMust fall within HUD income guidelines for Marshall County (specific dollar table not published on affiliate website as of June 2026 — contact affiliate to confirm current limits) | — |
| Mobile County Homeownership Down Payment Assistance Program (HDPA)Mobile | 120% of area median incomeHousehold income must not exceed 120% of Area Median Income for Mobile County (HUD CDBG income limits, FY 2025): 1p $68,450; 2p $78,250; 3p $88,000; 4p $97,800; 5p $105,600; 6p $113,450; 7p $121,250; 8p $129,100. Section 8 (24 CFR 5.609) gross-income definition; income of all household members 18+ is included. | $290,000 |
| Mobile Housing Authority HCV Homeownership Assistance ProgramMobile · Mobile | See programMinimum annual income equal to federal minimum wage times 2,000 hours; for disabled families, not less than monthly federal SSI for an individual living alone times twelve | — |
| Montgomery Habitat for Humanity Homeownership ProgramMontgomery · Montgomery | See programHousehold income should fall within 30%-60% of the median income for Montgomery County for the current year. No specific dollar table published. | — |
| Montgomery Housing Authority HCV Homeownership ProgramMontgomery · Montgomery | See programMust be a current MHA Housing Choice Voucher program participant meeting HUD and MHA program requirements | — |
| Mortgage Credit Certificate (MCC) | See programFederally established income limits vary by county and household size; per AHFA, qualifying households can earn up to approximately $161,700 annually (effective June 2, 2025) depending on location and family size. See ahfa.com MCC income limits page for the county-by-county table. | $544,233 |
| RCLF Alabama Down Payment Assistance Program | 80% of area median incomeHousehold income must not exceed 80% of the Area Median Income (AMI) for the county of purchase (HELP product); Easy8 and Trusty10 income limits reference county-specific HUD guidelines — specific AMI % for Easy8/Trusty10 not confirmed on primary source as of June 2026 | — |
| Shoals Habitat for Humanity Affordable Homeownership ProgramFlorence · Lauderdale | 80% of area median incomeHousehold income evaluated against HUD income limits by family size; all household members' income counted. Affiliate references HUD income limits for the Lauderdale County / Florence-Muscle Shoals area. | — |
| Single Family Housing Direct Home Loans (Section 502 Direct) - Alabama | 80% of area median incomeApplicants must have adjusted income at or below the applicable low-income limit for the county (very-low and low-income tiers). Income limits vary by county and household size - see USDA RD Direct income limit map. Family income may be adjusted for children, disabled or elderly household members, childcare, and eligible medical expenses. | — |
| Step UpStatewide · Statewide | $172,800Flat program income limit: $172,800 maximum qualifying income, regardless of household size or property location, applies to both FHA/VA/USDA and HFA Advantage conventional Step Up loans. | — |
| Step Up with Affordable Income Subsidy Grant (AISG)Statewide · Statewide | 80% of area median incomeAISG income limits are set by Freddie Mac at 80% of county Area Median Income (AMI) and apply by the property's county. For 2025, AHFA-cited 4-person figures for the lowest-income/highest-income Alabama counties span approximately $35,300-$92,400 depending on county. Borrowers must be at or below 80% of the AMI for the property's location to receive any grant: at/below 50% AMI = 1.0% of loan amount grant; 50.01% to 80% AMI = 0.5% of loan amount grant. Use Freddie Mac's Home Possible Eligibility Map to look up the exact 80% AMI dollar limit for the property's census tract. | — |
| Tuscaloosa Housing Authority HOME-Assisted Homebuyer ProgramTuscaloosa · Tuscaloosa County | 80% of area median incomeHousehold income 50%-80% of HUD AMI by household size. Exhibit A 80% AMI maximums: 1-person $34,450; 2-person $39,400; 3-person $44,300; 4-person $49,200. Income determined using Part 5 (24 CFR 5) definition; all household members counted. | — |
| USDA Single Family Housing Guaranteed Loan Program (Section 502 Guaranteed) | 115% of area median incomeFY2025 income limits vary by Alabama MSA/county. Moderate income (115% AMI) 4-person limits: Huntsville MSA $119,850; Birmingham-Hoover HMFA $119,850; Auburn-Opelika HMFA $119,850; Decatur MSA $104,800; most other Alabama counties $119,850. 1-8 person limits in HB-1-3555 Appendix 5 (PN 645, 06/18/2025). | — |
| Wiregrass Habitat for Humanity Homeownership ProgramDothan · Houston | See programFamilies must have steady, verifiable income sufficient to meet existing debt plus a new mortgage payment, within Habitat's income guidelines by family size. The income table published on the site is labeled 'Year 2017 Guidelines' and appears outdated; current dollar limits not confirmed. | — |
Questions, answered
What are the income limits for down payment assistance in Alabama?
37 down payment assistance programs in Alabama publish an income limit, a purchase price cap, or both. 22 express the limit as a percentage of the area median income for the county where the home is, and 12 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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