Alabama • First-Time Homeowner programs

First-Time Homeowner grants in Alabama

Browse first-time homeowner grants available in Alabama, including statewide and local programs.

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4 active programs in Alabama

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first-time or eligible homebuyerindividuallow- to moderate-income homebuyer

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Latest opportunities (4)

Downpayment Assistance Program – Home Ownership Opportunities

Open

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

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Homeownership

Open

Alabama Housing Finance AuthorityALFirst-Time HomeownerFirst mortgage with second-mortgage down payment assistance and closing-cost grants

Updated: Dec 5, 2025

Statewide homeownership hub that connects Alabama buyers to below-market 30-year fixed-rate mortgages, down payment assistance, and closing-cost grants through AHFA’s First Step, Step Up, and grant add-ons.

Eligible for: Low- to moderate-income homebuyers in Alabama who meet program income, credit, and purchase-price limits, complete homebuyer education, and …

Funding: Down payment and closing-cost assistance typically up to 4 percent of the sales price or 10000 dollars, plus possible closing-cost grants.RollingStatewideindividuallow- to moderate-income homebuyerdown payment assistanceclosing cost assistancemortgage assistance

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Housing – Home Ownership Assistance Program (HOAP)

Open

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

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Down Payment Assistance Program – Ready to Own Birmingham

Open

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

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