Step Up Down Payment Assistance
AL Housing Authority
Program Overview
The Step Up program provides down payment and closing cost assistance to eligible first-time homebuyers in Alabama. The assistance is provided as a forgivable second mortgage.
Eligibility Requirements
First-time homebuyer (or haven't owned in 3 years) Must occupy property as primary residence Meet income limits (typically 80% of area median income) Complete homebuyer education course Property must meet minimum standards
Additional Requirements
First-time homebuyer (or haven't owned in 3 years) Must occupy property as primary residence Meet income limits (typically 80% of area median income) Complete homebuyer education course Property must meet minimum standards
How to Apply
Contact an AHFA-approved lender. The lender will help you apply for both the primary mortgage and the Step Up assistance simultaneously. Complete required homebuyer education through an approved provider.