City of Huntsville – Community Development
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City of Huntsville – Community DevelopmentALFirst-Time Homeowner5-year deferred forgivable loan
Updated: Dec 5, 2025
Huntsville’s Home Ownership Assistance Program (HOAP) provides substantial support—up to $24,999—to help first-time buyers cover down payment, closing costs, interest-rate buydowns, or principal reductions when purchasing a home inside Huntsville city limits.
Eligible for: First-time homebuyers purchasing a primary residence within Huntsville city limits who meet HUD income limits, program underwriting standard…
Funding: Up to 24999 dollars for down payment, closing costs, interest-rate buydown or principal reductionRollingLocalindividualfirst-time homebuyerdown payment assistanceclosing cost assistanceinterest rate buydownprincipal reduction