Shoals Habitat for Humanity Affordable Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Lauderdale County
Buying a home in Underwood-Petersville, AL
1 county program and 9 statewide.Underwood-Petersville has no program of its own, 1 across Lauderdale 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 Underwood-Petersville
No program of Underwood-Petersville’s own yet
No program run for Underwood-Petersville alone is listed. A home in Underwood-Petersville can use Lauderdale County’s programs below, plus the Alabama statewide and federal ones.
The closest city that runs its own program is Huntsville, about 64 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in LauderdaleAnywhere in Lauderdale County
1 county program1 county program a Underwood-Petersville homebuyer can use
The Underwood-Petersville marketThe Underwood-Petersville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Underwood-Petersville
- 80.1% single-familysingle-family
- 0% townhousetownhouse
- 9.7% 2–4 units2–4 units
- 6.6% 5+ unitscondo & apartment buildings (5+ units)
- 3.6% mobile & othermobile home & other
About condos. Underwood-Petersville’s one local program does not list condos as eligible. Shoals Habitat for Humanity Affordable Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Underwood-Petersville’s homes were built
pre-19401970s2020+
57.9%
of Underwood-Petersville 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.
$95,900
County area median income, 4 people (HUD)HUD area median income, Lauderdale County, 4-person household (2026)
$48,219
Underwood-Petersville median household incomeMedian household income in Underwood-Petersville (Census, 2024)
14 of the 72 programs here set their income limit as a share of Lauderdale County’s area median income, adjusted for household size. See the published limits for Lauderdale County
Free help nearbyFree help near Underwood-Petersville
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Underwood-Petersville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Shoals Habitat for Humanity Affordable 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
Underwood-Petersville questions
Does Underwood-Petersville have its own down payment program?
No program run for Underwood-Petersville alone is listed. A home in Underwood-Petersville can use the 1 program that cover Lauderdale County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Underwood-Petersville?
Underwood-Petersville’s one local program does not list condos as eligible. Shoals Habitat for Humanity Affordable 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 Lauderdale County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Lauderdale 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 Underwood-Petersville?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Underwood-Petersville. Create a free account and take the 90-second match to see the ones near you.
Nearby in Lauderdale
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.