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ALdeferred loanactive
Step Up Program
Alabama Housing Finance Authority
DPA up to 4% of sales price, 10-year second mortgage
Overview
Alabama buyers can get 4% DPA as a 10-year second mortgage paired with a 30-year first.
Detailed requirements
Pairs with AHFA mortgage. 4% DPA as 10-year amortizing second mortgage. Income limits by county. Min credit 640.
Eligibility at a glance
- Min credit score
- 640
- Owner-occupied required
- Yes
- Homebuyer education required
- Yes
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.