State Program Programs

The Affordable Income Subsidy Grant provides grants to low- and moderate-income homebuyers to reduce upfront mortgage costs.

The Alabama Housing Trust Fund provides funding for affordable housing construction, rehab, and preservation across the state.

The Habitat for Humanity Loan Pool program partners with Habitat for Humanity to provide affordable mortgages to low-income homebuyers.

The Hardest Hit Alabama Program provided emergency mortgage assistance to homeowners facing financial hardship due to unemployment or underemployment.

The Mortgage Credit Certificate (MCC) Program helps first-time homebuyers by providing a federal tax credit to reduce their income tax burden.

The Step Up Program assists moderate-income homebuyers in Alabama who can afford a mortgage but need help with the down payment.