Calhoun Cleburne Habitat for Humanity Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Calhoun County
Buying a home in Saks, AL
1 county program and 9 statewide.Saks has no program of its own, 1 across Calhoun 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.
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What’s local to Saks
No program of Saks’s own yet
No program run for Saks alone is listed. A home in Saks can use Calhoun County’s programs below, plus the Alabama statewide and federal ones.
The closest city that runs its own program is Birmingham, about 57 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CalhounAnywhere in Calhoun County
1 county program1 county program a Saks homebuyer can use
The Saks marketThe Saks housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saks
- 82.6% single-familysingle-family
- 0.2% townhousetownhouse
- 2% 2–4 units2–4 units
- 3.7% 5+ unitscondo & apartment buildings (5+ units)
- 11.4% mobile & othermobile home & other
About condos. Saks’s one local program does not list condos as eligible. Calhoun Cleburne Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saks’s homes were built
pre-19401970s2020+
63.9%
of Saks 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.
$72,300
County area median income, 4 people (HUD)HUD area median income, Calhoun County, 4-person household (2026)
$49,753
Saks median household incomeMedian household income in Saks (Census, 2024)
13 of the 72 programs here set their income limit as a share of Calhoun County’s area median income, adjusted for household size. See the published limits for Calhoun County
Free help nearbyFree help near Saks
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Saks’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Calhoun Cleburne Habitat for Humanity Homeownership Program asks 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.
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Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Saks questions
Does Saks have its own down payment program?
No program run for Saks alone is listed. A home in Saks can use the 1 program that cover Calhoun County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saks?
Saks’s one local program does not list condos as eligible. Calhoun Cleburne Habitat for Humanity Homeownership Program lists single family. 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 Calhoun County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Calhoun 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 Saks?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Calhoun
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.