Homeownership Down Payment Assistance Program (HDPA) - Mobile County

Homeownership Down Payment Assistance Program (HDPA) - Mobile County is a forgivable loan for homebuyers in Mobile County, Alabama, administered by Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA). Mobile County's Homeownership Down Payment Assistance Program (HDPA) is a CDBG-DR (Hurricanes Sally & Zeta) program administered through ADECA that provides up to $50,000 (minimum $1,000) toward the purchase of a single-family home in designated Mobile County municipalities and unincorporated areas. Assistance is an interest-free deferred loan forgiven over up to ten years as long as the home remains the buyer's primary residence. The program prioritizes low- and moderate-income households impacted by the 2020 storms but also welcomes others on the path to homeownership; properties within the City of Mobile and Town of Dauphin Island are excluded. Up to $50,000 in assistance (minimum $1,000). 0% interest, forgiven over up to 10 years. Open to non-first-time buyers and storm-impacted households. Works with conventional, FHA, VA, and USDA Qualified Mortgages. Funding comes from Community Development Block Grant-Disaster Recovery (CDBG-DR), Hurricanes Sally & Zeta, administered through the Alabama Department of Economic and Community Affairs (ADECA).

Homeownership Down Payment Assistance Program (HDPA) - Mobile County offers between $1,000 and $50,000 in assistance. The program can be combined with other assistance, subject to the rules of each. Amounts are the program's published maximums, not an offer — Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA) determines any individual award.

Homeownership Down Payment Assistance Program (HDPA) - Mobile County is forgiven after 10 years, so a homebuyer who stays that long does not repay it. Repayment is triggered by Interest-free deferred loan forgiven over up to ten years; homebuyer must maintain the home as their primary residence. The assistance is recorded in Second position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Homeownership Down Payment Assistance Program (HDPA) - Mobile County is open to homebuyers who will live in the home as their primary residence. A homebuyer education course is required, through Homebuyer counseling required. Residency requirement: Property must be a single-family dwelling within designated Mobile County municipalities (Bayou La Batre, Chickasaw, Citronelle, Creola, Saraland, Satsuma, Semmes, Mount Vernon, Prichard) and unincorporated areas. Homes within the City of Mobile or the Town of Dauphin Island are NOT eligible. Priority to applicants who were Mobile County residents at the time of Hurricanes Sally & Zeta (Sept. 11-16, 2020 and Oct. 28-29, 2020). Citizenship or immigration status: U.S. citizens or qualified aliens eligible for federal benefits under PRWORA (1996). DISTINCT from the already-cataloged Mobile County 'First Time Home Buyers Program' (the standard HOME DPA up to $25,000). This HDPA is the CDBG-DR disaster-recovery product (up to $50,000) and is currently OPEN/accepting applications (2026 flyers). Excludes City of Mobile and Dauphin Island. Home value limits updated beginning April 1, 2026 (exact dollar figure not on flyer). Min credit score and DTI not published.

Homeownership Down Payment Assistance Program (HDPA) - Mobile County limits household income to 80% of the area median income, which varies by county and household size. 2026 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.). 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.

Homeownership Down Payment Assistance Program (HDPA) - Mobile County caps the purchase price as follows: Home value limits updated beginning April 1, 2026 (specific dollar limit not stated on the flyer). Eligible property types include Single Family.

Homeownership Down Payment Assistance Program (HDPA) - Mobile County serves homebuyers purchasing in Mobile County, Alabama. The program targets specific areas: Priority to low- and moderate-income homeowners and renters impacted by 2020 Hurricanes Sally & Zeta; eligible only in designated Mobile County municipalities and unincorporated areas (excluding City of Mobile and Dauphin Island).

Applications for Homeownership Down Payment Assistance Program (HDPA) - Mobile County go through Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA), which publishes the current terms and the application steps on its own site. Funds are reserved through Apply by calling the Mobile County Grants Department at (251) 574-5065. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.