Forgivable loan
Down Payment Assistance Program (City of Mobile)
First-time homebuyers · Income limits · Single Family · Condo · Duplex
Down payment assistance · Mobile County
Buying a home in Mobile, AL
2 Mobile programs, 2 county programs and 9 statewide.Mobile has 2 programs of its own, 2 more 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.
Find my programs Free · No credit pull · 90 seconds
Only for Mobile addresses
Mobile’s own programs
Down-payment assistance
Mobile Housing Authority HCV Homeownership Assistance Program
First-time homebuyers · Income limits · Single Family
Anywhere in MobileAnywhere in Mobile County
2 county programs2 county programs a Mobile homebuyer can also use
The Mobile marketThe Mobile housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Mobile
- 67.4% single-familysingle-family
- 1.7% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 23.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
Condos count. 1 of Mobile’s 4 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Mobile’s homes were built
pre-19401970s2020+
61.2%
of Mobile 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)
$53,558
Mobile median household incomeMedian household income in Mobile (Census, 2024)
16 of the 75 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 Mobile
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Mobile questions
Does Mobile have its own down payment program?
Yes, 2: Down Payment Assistance Program (City of Mobile) and Mobile Housing Authority HCV Homeownership Assistance Program. Each is for homes inside Mobile.
Can I use assistance on a condo in Mobile?
1 of Mobile’s 4 local and county programs accept condos. 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. 16 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 Mobile?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Mobile. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36601 · 36602 · 36603 · 36604 · 36605 · 36606 · 36607 · 36608 · 36609 · 36610 · 36611 · 36612 · 36614 · 36615 · 36616 · 36617 · 36618 · 36619 · 36621 · 36622 · 36623 · 36625 · 36626 · 36628 · 36630 · 36631 · 36633 · 36640 · 36641 · 36644 · 36652 · 36660 · 36663 · 36670 · 36671 · 36675 · 36685 · 36688 · 36689 · 36690 · 36691 · 36693 · 36695
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.