City of Mobile Community & Housing Development Department

Down Payment Assistance Program (City of Mobile)

Up to $15,000 toward a down payment in AL.

Location: AL
Type: Forgivable assistance
Max assistance: $15,000
Income limit: $65,200
First-time buyer: Required
Property types: Single family, Condo, 2–4 unit (owner-occupied)

The City of Mobile's First Time Home Buyers' Program (Down Payment Assistance Program) helps income-eligible first-time buyers with up to $15,000 toward down payment and eligible closing costs to purchase a home within Mobile city limits. Funds are a HUD HOME-funded forgivable loan, fully forgiven if the buyer occupies the home as their primary residence for five years. All applicants must complete at least 8 hours of pre-purchase homeowner counseling, and the home must pass an HQS inspection.

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Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Down Payment Assistance Program (City of Mobile), explained

A short, free course on Down Payment Assistance Program (City of Mobile): what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.