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Habitat for Humanity of Greater Birmingham Homeownership Program

Habitat for Humanity of Greater Birmingham · Fairfield, Alabama

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See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Greater Birmingham Homeownership Program?

Habitat for Humanity of Greater Birmingham Homeownership Program is down payment assistance for homebuyers in Fairfield, Alabama, administered by Habitat for Humanity of Greater Birmingham.

  • Habitat for Humanity of Greater Birmingham builds and sells affordable homes to income-qualified families in Jefferson, Shelby, Walker, and St. Clair counties. Selected applicants partner with Habitat by completing homeowner education and sweat-equity hours, paying a $2,000 down payment, and purchasing the home with an affordable mortgage. Homeowners are chosen by a volunteer Family Selection Committee based on need, willingness to partner, and ability to repay.
  • Affordable home built/rehabbed by Habitat.
  • Affordable mortgage geared to ability to repay.
  • Homeowner education workshops.
  • Path to homeownership for low-to-moderate income families.

Do you have to pay it back?

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

  • 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 Greater Birmingham Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Habitat Birmingham homeowner education workshops (minimum 10 hours)
  • Residency: Must reside in Jefferson, Shelby, Walker, or St. Clair counties for at least one year before applying.
  • Citizenship or immigration status: Must show proof of legal residency.
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Requires a minimum 250 sweat-equity hours and 10 hours homeowner education. Selection by volunteer Family Selection Committee (need, willingness to partner, ability to repay). Credit: no unpaid collections/judgments/liens; foreclosure/eviction at least 36 months old; bankruptcy discharged with 3 years established credit; verifiable income at least one year. GAPS (not published): assistance dollar amount, sale price, mortgage rate/term, lien position, min credit score, max purchase price, recapture/repayment triggers, manufactured/new-construction eligibility, HUD AMI year, income_limit_amount.

The program excludes

  • Households above 80% 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 Greater Birmingham Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Total household income must fall within 40-80 percent of the Jefferson County area median income.
  • 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 Greater Birmingham Homeownership Program can be used for Single Family.

Where does it apply?

Habitat for Humanity of Greater Birmingham Homeownership Program serves buyers purchasing in Fairfield, Alabama.

How do you apply?

Applications for Habitat for Humanity of Greater Birmingham Homeownership Program go through Habitat for Humanity of Greater Birmingham, 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 Birmingham homeowner education workshops (minimum 10 hours).

  2. Contact Habitat for Humanity of Greater Birmingham 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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