What is Step Up?

Step Up is a homeownership program designed specifically for low- and moderate-income home buyers who can afford a mortgage, but need help with the down payment. 

The down payment funds are secured by a 10-year second mortgage and are combined with a 30-year, fixed-rate first mortgage. Since the loans are serviced by ServiSolutions, a department of AHFA, homeowners have only one check to write each month. Program participants must complete a homebuyer education course to qualify.

Participants who earn less than $97,300 are eligible for the Step Up program, regardless of household size or location.

Kalvin Daffin, Louisville

Success Stories: Kalvin Daffin, Louisville


Step Up helped Louisville's Kalvin Daffin find independence with a home purchase in his hometown. He said, “I got my nice home, and I also got peace of mind in knowing I’m not working just to take care of the house. I wanted something that allowed me to live outside of making my payments, and I have that."

Micah & Alyssa Long, Montgomery

Success Stories: Micah & Alyssa Long, Montgomery


Lacking savings and with student loan debt, Micah & Alyssa Long of Montgomery didn't believe homeownership was an option. Thanks to AHFA's Step Up financing, the Longs were able to purchase their first house - a home that has become the central location for their small group bible study. And, the monthly payment is less than they were paying in rent.

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