1 local down payment assistance program for homebuyers in the City of Birmingham, checked against the official page.
| Program | Amount | Type | First-time buyer | Income limit | Price limit | Status |
|---|---|---|---|---|---|---|
| Ready to Own Program | Up to $10,000 | Forgivable loan | Not stated | Not stated | Not stated | Offered |
Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.
City of Birmingham Community Development
5-year forgivable loan at 0% interest for down payment, closing costs or rate buydowns. The home must be inside Birmingham city limits, and homebuyer education is required.
Last checked Nov 3, 2026 · Official source (opens in new tab) ↗
You may also qualify for 1 statewide Alabama program. Local and state assistance can sometimes be layered; confirm with each administrator.
Check eligibility for Alabama How to apply
Compare these programs · AMI / income limits · All Alabama programs
Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.
Yes. We list 1 local program checked against official pages: Ready to Own Program from City of Birmingham Community Development (Up to $10,000).
5-year forgivable loan at 0% interest for down payment, closing costs or rate buydowns. The home must be inside Birmingham city limits, and homebuyer education is required.
Sometimes. Alabama also has 1 statewide program listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.
New, changed and closed down payment assistance programs, from official sources. Free. Unsubscribe anytime.