Alabama · assistance programs
Alabama homebuyer assistance
BestQualify separates the state program’s own rule from the first mortgage and from a lender’s overlay.
Verified for numeric use
- Program
- Step Up
- Assistance type
- Repayable second mortgage
- Amount / maximum
- 4% of sales price, max $10,000
- Minimum score
- 640
- What changes at a score tier
- No additional score tier found
- First-mortgage types
- HFA Advantage, FHA, VA, USDA
- Homebuyer education
- Required
- Repayment / forgiveness
- 10-year second mortgage
Source record
Agency: Alabama Housing Finance Authority
Primary source: AHFA Step Up
Source effective / published: not stated
Last verified by CTI research: 2026-09-23
Section: Additional Information and Qualifications