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Homeownership

Available Programs

Do you dream of owning a home? Think you cannot afford it? Since 1980, AHFA’s versatile, affordable programs have helped more than 90,000 families purchase a home. We offer options that fit the needs of many buyers.

AHFA Makes Homeownership Possible

  • First Step Mortgage Revenue Bonds

    Nearly 50,000 Alabama households have benefitted from AHFA's First Step program, which offers below-market, 30-year fixed mortgage interest rates to first-time or repeat homebuyers.

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  • Affordable Income Subsidy Grant

    In addition to the down payment assistance currently offered through Step Up, the HFA Advantage product provides eligible borrowers a grant to help with closing costs.

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  • 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.

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