Help to buy in Alabama
Home-buying assistance programs in Alabama
3 official programs for down payment and closing cost help in Alabama, from Alabama Housing Finance Authority. We show what each program says on its own page, with the date we checked it.
Key numbers in Alabama
- Verified programs
- 3
- from Alabama Housing Finance Authority
- First-time buyers only
- 0
- 3 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Repayable
Second loan with monthly payments
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Grant
Grant you never repay
The full list
Programs in Alabama
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Repayable
Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage
What it gives, per the source
Amount of assistance: 4% of the sales price up to $10,000 … The down payment funds are secured by a 10-year second mortgage … combined with a 30-year, fixed-rate first mortgage.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Alabama Housing Finance Authority (AHFA)
Verified November 5, 2026
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- Repayable
Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage
What it gives, per the source
All borrowers are eligible for down payment assistance up to $10,000 or 4% of the sales price, whichever is lower. The down payment funds are secured by a 10-year second mortgage combined with the borrower’s 30-year, fixed-rate First Step mortgage.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Alabama Housing Finance Authority (AHFA)
Verified November 5, 2026
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Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%
What it gives, per the source
the HFA Advantage product provides eligible borrowers a grant to help with closing costs. … Borrowers at or below 50% of the AMI limits as published by Freddie Mac are eligible for a grant of one percent of the loan amount. Borrowers at 50.01-80% of the AMI limits as published by Freddie Mac are eligible for a grant of one-half percent of the loan amount.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Alabama Housing Finance Authority (AHFA)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Alabama
One program we checked in Alabama to repair your home or make it more efficient, with what its page says.
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Alabama Weatherization Assistance Program
Run by Alabama Department of Economic and Community Affairs (ADECA)
Alabama weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Alabama?
Of the 3 programs on this page, none requires it, or their pages do not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.