Homeownership Assistance Program (HAP) - Baldwin County
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Baldwin County
Buying a home in Summerdale, AL
2 county programs and 9 statewide.Summerdale 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Summerdale
No program of Summerdale’s own yet
No program run for Summerdale alone is listed. A home in Summerdale 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 25 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 Summerdale homebuyer can use
The Summerdale marketThe Summerdale housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Summerdale
- 93.2% single-familysingle-family
- 2% townhousetownhouse
- 2.5% 2–4 units2–4 units
- 1.3% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
About condos. None of Summerdale’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 Summerdale’s homes were built
pre-19401970s2020+
20%
of Summerdale 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)
$70,110
Summerdale median household incomeMedian household income in Summerdale (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 Summerdale
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Summerdale questions
Does Summerdale have its own down payment program?
No program run for Summerdale alone is listed. A home in Summerdale 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 Summerdale?
None of Summerdale’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 Summerdale?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36580
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.