Deferred second loan
City of Montgomery HOME Down Payment Assistance
First-time homebuyers · Income limits · Single Family
Down payment assistance · Montgomery County
Buying a home in Montgomery, AL
3 Montgomery programs and 9 statewide.Montgomery has 3 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.
Find my programs Free · No credit pull · 90 seconds
Only for Montgomery addresses
Montgomery’s own programs
Down-payment assistance
Montgomery Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down-payment assistance
Montgomery Housing Authority HCV Homeownership Program
First-time homebuyers · Income limits · Single Family
The Montgomery marketThe Montgomery housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Montgomery
- 69.2% single-familysingle-family
- 3.4% townhousetownhouse
- 5.5% 2–4 units2–4 units
- 19.6% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
About condos. None of Montgomery’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Montgomery’s homes were built
pre-19401970s2020+
54.9%
of Montgomery 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.
$88,800
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$56,811
Montgomery median household incomeMedian household income in Montgomery (Census, 2024)
14 of the 74 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Montgomery
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.2 of the 3 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
Montgomery questions
Does Montgomery have its own down payment program?
Yes, 3: City of Montgomery HOME Down Payment Assistance, Montgomery Habitat for Humanity Homeownership Program and Montgomery Housing Authority HCV Homeownership Program. Each is for homes inside Montgomery.
Can I use assistance on a condo in Montgomery?
None of Montgomery’s 3 local and county programs list condos as eligible. 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 Montgomery County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Montgomery?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Montgomery. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36101 · 36102 · 36103 · 36104 · 36105 · 36106 · 36107 · 36108 · 36109 · 36110 · 36111 · 36112 · 36113 · 36114 · 36115 · 36116 · 36117 · 36118 · 36119 · 36120 · 36121 · 36123 · 36124 · 36125 · 36130 · 36131 · 36132 · 36133 · 36134 · 36135 · 36140 · 36141 · 36142 · 36177 · 36191
Nearby in Montgomery
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.