Alabama Housing Finance Authority Step Up Program

Alabama Housing Finance Authority (AHFA)

Available Down Payment

About This Program

AHFA's Step Up program provides forgivable down payment and closing cost assistance to qualified first-time homebuyers in Alabama. Grant is forgiven after 5 years of owner-occupancy.

Down payment assistance amount varies by location and loan amount, typically up to 4% of purchase price

Verified against Alabama Housing Finance Authority (AHFA)'s official page on 2026-06-17.

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

Key Details

  • Forgivable loan for down payment and closing costs
  • Must be first-time homebuyer or not owned in 3 years
  • Income limits apply by county
  • Forgiven after 5 years of owner-occupancy
  • Must complete homebuyer education course

How to Apply

Get free help applying Visit Official Program Page Track this program

(334) 244-9200

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

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, subject to funding availability

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