Down Payment Assistance (DPA)
Up to $10,000 of down payment assistance is available. The DPA may be applied to a down payment and to closing costs. (A minimum of $1,000 in assistance is provided.)
Can You Qualify?
You must be a first-time homebuyer to participate in the DPA Program (unless you are participating in the New Construction of Affordable Homes Program.) A first-time homebuyer is a person who has not owned a residence for the past three years, with the exception of single parents who have divorced within the past three years.
Participants must also meet residency and income requirements. Click here for Residency and Income Requirements.
A single-family dwelling unit located in the specified geographic area is eligible. Mobile homes, condominiums, town houses, and duplex or multiplex units are not eligible.
The purchasing household must occupy the property for five years. (Properties that are subject to a right of redemption - such as foreclosed homes, homes with tax liens, homes sold as is, etc. - are ineligible for the program.)
Interested in the program?
Sign up for a Homebuyer's Training and Counseling Program to learn about credit requirements and the loan process. Participation in the Homebuyer's Training and Counseling Program is a requirement for participation in either program! Classes are free and are held in various locations in the County of Mobile. For further information, please call the Mobile County Commission at (251) 574-5065. Upon completion of training, participants will be issued a certificate of completion, valid for two years.