Alabama Housing Finance Authority Mortgage Credit Certificate

Alabama Housing Finance Authority

Available Down Payment

About This Program

Alabama Housing Finance Authority Mortgage Credit Certificate is available to homeowners in Auburn, AL.

Provides a federal tax credit equal to 40% of annual mortgage interest paid, reducing federal income tax liability. Available to first-time homebuyers meeting income and purchase price limits in Lee County.

Annual tax credit based on 40% of mortgage interest paid

Official program page checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

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

Key Details

  • 40% of annual mortgage interest as tax credit
  • Available to first-time homebuyers
  • Income and purchase price limits apply
  • Reduces federal income tax liability annually
  • Must use participating lender

How to Apply

A grant-savvy contractor in Auburn, 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

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • 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).

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 program subject to allocation

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can Alabama Housing Finance Authority Mortgage Credit Certificate provide in Auburn, AL?

Up to 40% annual tax credit.

Who qualifies for Alabama Housing Finance Authority Mortgage Credit Certificate in Auburn?

Alabama Housing Finance Authority Mortgage Credit Certificate is open to homeowners in Auburn, AL.

How do I apply for Alabama Housing Finance Authority Mortgage Credit Certificate in Auburn, 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.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Auburn, AL

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs