Forgivable loan
City of Tuscaloosa Down Payment Assistance Program
New construction · Income limits · Single Family
Down payment assistance · Tuscaloosa County
Buying a home in Tuscaloosa, AL
3 Tuscaloosa programs and 9 statewide.Tuscaloosa has 3 programs of its own, 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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Tuscaloosa’s own programs
Down-payment assistance
Habitat for Humanity of Tuscaloosa Path to Homeownership Program
New construction · Income limits · Single Family
Forgivable loan
Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program
First-time homebuyers · Income limits · Single Family
The Tuscaloosa marketThe Tuscaloosa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tuscaloosa
- 49.3% single-familysingle-family
- 2.7% townhousetownhouse
- 9.9% 2–4 units2–4 units
- 36.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
About condos. None of Tuscaloosa’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tuscaloosa’s homes were built
pre-19401970s2020+
42.2%
of Tuscaloosa 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.
$93,000
County area median income, 4 people (HUD)HUD area median income, Tuscaloosa County, 4-person household (2026)
$51,464
Tuscaloosa median household incomeMedian household income in Tuscaloosa (Census, 2024)
16 of the 74 programs here set their income limit as a share of Tuscaloosa County’s area median income, adjusted for household size. See the published limits for Tuscaloosa County
Free help nearbyFree help near Tuscaloosa
2 HUD-approved counseling agencies within 15 miles2 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.2 of the 3 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
Tuscaloosa questions
Does Tuscaloosa have its own down payment program?
Yes, 3: City of Tuscaloosa Down Payment Assistance Program, Habitat for Humanity of Tuscaloosa Path to Homeownership Program and Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program. Each is for homes inside Tuscaloosa.
Can I use assistance on a condo in Tuscaloosa?
None of Tuscaloosa’s 3 local and county programs list condos as eligible. 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 Tuscaloosa County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Tuscaloosa 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 Tuscaloosa?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Tuscaloosa. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35401 · 35402 · 35403 · 35404 · 35405 · 35406 · 35407 · 35485 · 35486 · 35487
Nearby in Tuscaloosa
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.