AHFA Mortgage Credit Certificate

Alabama Housing Finance Authority

Available Down Payment

About This Program

Tax credit for first-time homebuyers in Alabama that converts a portion of mortgage interest into a dollar-for-dollar federal tax credit. Credit equals 30-50% of mortgage interest paid annually, up to $2,000 per year. Continues for life of the loan.

Annual tax credit based on 30-50% of mortgage interest paid

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $2,000 annual federal tax credit
  • For qualifying first-time homebuyers
  • Credit continues for life of loan
  • Income limits apply
  • Must use participating lender

How to Apply

A grant-savvy contractor in Montevallo, AL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Available for qualifying home purchases

Questions about this program?

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Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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