What is Step Up?

Step Up is a homeownership program designed specifically for 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.

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.

Tew family, Step Up

Success Stories: Tew family, Demopolis


Clay and Tara Tew and their two daughters were looking for safety and space in a new home. The family of four was strained for space in the trailer they owned, and they also hated leaving anytime there was bad weather. Step Up financing from AHFA made their search easier. Now the Tew family is enjoying more space, a bigger kitchen, and being closer to their jobs. Tara said, “We probably wouldn’t have been able to get a home without it. The down payment assistance was really what made it happen.”

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