AHFA Step Up Program

Alabama Housing Finance Authority

Available Down Payment

About This Program

AHFA Step Up Program is available in Alabaster, AL.

Down payment assistance program for first-time homebuyers in Alabama. Provides up to $15,000 in forgivable down payment and closing cost assistance when combined with an AHFA mortgage. Loan forgiven over 10 years of occupancy.

Forgivable loan for down payment and closing costs, forgiven over 10 years

Verified against Alabama Housing Finance Authority's official page on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

In Alabaster, AL, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $15,000 forgivable down payment assistance
  • Must be first-time homebuyer
  • Combined with AHFA mortgage product
  • Forgiven over 10 years of occupancy
  • Income and purchase price limits apply

How to Apply

Get free help applying Visit Official Program Page Track this program

(334) 244-9200

A grant-savvy contractor in Alabaster, AL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing while funds available

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can AHFA Step Up Program provide in Alabaster, AL?

Up to $10,000.

How do I apply for AHFA Step Up Program in Alabaster, AL?

Apply directly with Alabama Housing Finance Authority using the official program link on this page or call (334) 244-9200. There is no middleman and no fee.

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