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Habitat for Humanity of Baldwin County Homeownership Program

Habitat for Humanity of Baldwin County · Foley, Alabama

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Income limit

120% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Baldwin County Homeownership Program?

Habitat for Humanity of Baldwin County Homeownership Program is down payment assistance for homebuyers in Foley, Alabama, administered by Habitat for Humanity of Baldwin County.

  • Habitat for Humanity of Baldwin County offers an affordable homeownership pathway combining coaching, free homebuyer education, and help finding affordable mortgage financing. Its 'Home Direct' program fast-tracks buyers ready to purchase within 90 days and offers an in-house mortgage product to eligible borrowers, plus help with closing costs. The affiliate is licensed by the AL Dept. of Banking (NMLSR #267248).
  • Individualized coaching.
  • Free homebuyer education (Financial Foundations).
  • Help finding DPA/closing assistance and affordable financing.
  • In-house mortgage product.
  • Fast-track Home Direct purchase within 90 days.
  • Funding comes from Habitat for Humanity of Baldwin County (nonprofit); in-house mortgage product; partner homebuyer-assistance funds.

Do you have to pay it back?

Habitat for Humanity of Baldwin County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Baldwin County.

  • Repayment is triggered by Monthly mortgage payments on affordable financing; sale or transfer terms per loan documents.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity of Baldwin County Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Habitat for Humanity of Baldwin County (Financial Foundations classes; free homebuyer education)
  • Residency: Must live or work in Baldwin County (exceptions possible if relocation would not negatively impact mortgage qualification)
  • Cannot currently own a home; must qualify for affordable mortgage financing; no household member required to register as a sex offender. Specific sweat-equity hour requirement not published for the Home Direct path (gap note).

The program excludes

  • Manufactured homes
  • Households above 120% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Habitat for Humanity of Baldwin County Homeownership Program limits household income to 120% of the area median income, which varies by county and household size.

  • Generally 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.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity of Baldwin County Homeownership Program can be used for Single Family.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity of Baldwin County Homeownership Program serves buyers purchasing in Foley, Alabama.

How do you apply?

Applications for Habitat for Humanity of Baldwin County Homeownership Program go through Habitat for Humanity of Baldwin County, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity of Baldwin County (Financial Foundations classes; free homebuyer education).

  2. Contact Habitat for Humanity of Baldwin County to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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