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Homeownership

Interest Rates

The Alabama Housing Finance Authority helps make homeownership affordable for eligible homebuyers with competitive financing and down payment assistance through its First Step and Step Up programs. Below are the current First Step and Step Up interest rates. 

Notice: Rates are subject to change without notification.

FIRST STEP

STEP UP

FHA / VA / USDA

CONV - Freddie Mac

FHA / VA / USDA

CONV - Freddie Mac

5.750%

6.250%

6.250%

6.625%