City of Mobile – Neighborhood Development
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City of Mobile – Neighborhood DevelopmentALFirst-Time HomeownerForgivable second mortgage loan (5-year)
Updated: Dec 5, 2025
The City of Mobile First Time Home Buyers’ Downpayment Assistance Program helps low- and moderate-income buyers purchase homes inside Mobile city limits by providing forgivable down payment and closing-cost assistance layered with primary mortgages.
Eligible for: Income-eligible first-time homebuyers purchasing an owner-occupied home within Mobile city limits who complete HUD-approved homebuyer educat…
Funding: Up to 10000 dollars typically, up to ~15000 dollars for qualifying or formerly blighted propertiesRollingLocalindividualfirst-time homebuyerdown payment assistanceclosing cost assistance