The Mobile County Down Payment Assistance Program provides income-eligible applicants assistance funds between $1,000 and $10,000 in the form of a grant. This money may be put toward the down payment and closing costs associated with the mortgage transaction. 

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Mobile County Down Payment Assistance Program

Financial Assistance for Homebuyers in Alabama

The County government of Mobile, Alabama recognized that many potential homebuyers who can afford monthly mortgage payments often don’t have the funds required to make a down payment on a new home. The Mobile County Down Payment Assistance Program is designed to help individuals out of this renter’s trap.

Available Assistance
The program provides income-eligible applicants assistance funds between $1,000 and $10,000 in the form of a grant. This money may be put toward the down payment and closing costs associated with the mortgage transaction. Both programs are funded by a grant from the U.S. Department of Housing and Urban Development (HUD).

Eligibility Requirements
In order to be considered eligible for the Mobile County Down Payment Assistance Program, all applicants must meet certain requirements. All applicants must be first-time homebuyers, unless they are participants of the New Construction of Affordable Homes Program. Applicants must have an anticipated annual household income which does not exceed the program’s set limits, which is no more than 80 percent of the current, median family income for Mobile County (shown below).

Property Guidelines
Any property being purchased with program funds must serve as the applicant’s primary residence for five years. Homes must be located in the geographical area of Bayou la Batre, Chickasaw, Citronelle, Creola, Mount Vernon, Prichard, Saraland, Satsuma, Semmes, or the unincorporated areas of Mobile County (other areas may be included in the future). Mobile homes, condominiums, townhouses, and duplex or multiplex units are not eligible under the program.

Income Limits
Household income is defined as all income received by household members (18 years or older) who will be living in the home, even if they are not on the mortgage.

1 person household: $18,901 to $30,200
2 person household: $21,601 to $34,500
3 person household: $24,301 to $38,800
4 person household: $26,951 to $43,100
5 person household: $29,151 to $46,550
6 person household: $31,301 to $50,000
7 person household: $33,451 to $53,450
8 person household: $35,601 to $56,900

(Note: These figures were accurate at the time of publication and may no longer be current - visit the program website for updated information.)

Down Payment Grants in Alabama

The Mobile County Down Payment Assistance Program provides income-eligible applicants assistance funds between $1,000 and $10,000 in the form of a grant. This money may be put toward the down payment and closing costs associated with the mortgage transaction. 

Step Up helps low- to moderate-income applicants achieve their homeownership goals, by providing down payment assistance. The funds are made available in the form of a 10-year second mortgage and are combined with a 30-year, fixed-rate first mortgage.

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