Homeownership Assistance Program (HAP) - Baldwin County
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Baldwin County
Buying a home in Spanish Fort, AL
2 county programs and 9 statewide.Spanish Fort has no program of its own, 2 across Baldwin 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 Spanish Fort
No program of Spanish Fort’s own yet
No program run for Spanish Fort alone is listed. A home in Spanish Fort can use Baldwin County’s programs below, plus the Alabama statewide and federal ones.
The closest city that runs its own program is Mobile, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BaldwinAnywhere in Baldwin County
2 county programs2 county programs a Spanish Fort homebuyer can use
The Spanish Fort marketThe Spanish Fort housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Spanish Fort
- 67% single-familysingle-family
- 1.5% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 23.3% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
About condos. None of Spanish Fort’s 2 local and county programs list condos as eligible. Homeownership Assistance Program (HAP) - Baldwin County lists single family. Habitat for Humanity of Baldwin County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Spanish Fort’s homes were built
pre-19401970s2020+
18.4%
of Spanish Fort 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.
$102,400
County area median income, 4 people (HUD)HUD area median income, Baldwin County, 4-person household (2026)
$99,346
Spanish Fort median household incomeMedian household income in Spanish Fort (Census, 2024)
15 of the 73 programs here set their income limit as a share of Baldwin County’s area median income, adjusted for household size. See the published limits for Baldwin County
Free help nearbyFree help near Spanish Fort
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies 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.All 2 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.
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Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Spanish Fort questions
Does Spanish Fort have its own down payment program?
No program run for Spanish Fort alone is listed. A home in Spanish Fort can use the 2 programs that cover Baldwin County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Spanish Fort?
None of Spanish Fort’s 2 local and county programs list condos as eligible. Homeownership Assistance Program (HAP) - Baldwin County lists single family. Habitat for Humanity of Baldwin County 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 Baldwin County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Baldwin 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 Spanish Fort?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Spanish Fort. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36527 · 36577
Nearby in Baldwin
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.