City of Birmingham – Community Development
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City of Birmingham – Community DevelopmentALFirst-Time Homeowner0% interest 5-year forgivable loan
Updated: Dec 5, 2025
Ready to Own Birmingham is the city’s flagship down payment assistance program, providing up to $10,000 in 0% forgivable assistance to help eligible buyers cover down payment, closing costs, and interest-rate buydowns when purchasing a home inside the Birmingham city limits.
Eligible for: Homebuyers purchasing within Birmingham city limits who have at least a 600 credit score, meet HUD 80% AMI income limits, complete homeowner…
Funding: Up to 10000 dollars for down payment, closing costs or interest-rate buydownRollingLocalindividualfirst-time or eligible homebuyerdown payment assistanceclosing cost assistanceinterest rate buydown