Homes that qualify for Down Payment Assistance

Down Payment Assistance in Huntsville and North Alabama

The down payment is the number one thing that keeps renters renting. In Huntsville there is real help available, from the city and from the state.

Here is what is out there right now, who it is for, and how to start. Programs and limits change, so we always confirm the current rules with the city or the lender before you count on them.

City of Huntsville: Home Ownership Assistance Program (HOAP)

AmountUp to $24,999 or 10% of the purchase price, based on need
UseDown payment, closing costs, a rate buydown or principal
TermsFive-year deferred loan, 20% forgiven each year
WhoFirst-time buyers; home inside Huntsville city limits, lived in for at least 5 years

Apply through the city's online portal or contact Community Development at 256-427-5400 or HOAP@HuntsvilleAL.gov. Details from the City of Huntsville; income and program requirements apply.

Statewide: Alabama Housing Finance Authority

AHFA's Step Up and First Step programs pair a fixed-rate FHA, VA, USDA or conventional loan with optional down payment assistance, through participating lenders across Alabama. AHFA also offers a Mortgage Credit Certificate that can cut your federal taxes each year you own the home. Terms, income limits and credit requirements change, so check AHFA or ask a participating lender for the current numbers.

Low and no down payment loans

  • VA loans: zero down for eligible veterans and service members, common around Redstone Arsenal.
  • USDA loans: zero down in eligible rural areas, which include parts of Madison and Limestone counties outside the cities.
  • FHA loans: as little as 3.5% down.
  • Builder incentives: many new-home builders here help with closing costs or rate buydowns. See our new construction page.

Homes to start with

Huntsville under $300KHomes inside Huntsville city limits, where the city program applies.See listings » Starter homesHomes under $300K across the Huntsville area.See starter homes » Under $200KThe lowest-priced homes, condos and townhomes.See homes »

Questions

Is there down payment assistance in Huntsville, AL?

Yes. The City of Huntsville's Home Ownership Assistance Program (HOAP) can help first-time buyers purchasing inside city limits with a down payment, closing costs or a rate buydown, as a five-year deferred loan that is forgiven 20% a year. The Alabama Housing Finance Authority (AHFA) also offers statewide loan programs with optional down payment assistance.

Do I have to be a first-time buyer?

For the City of Huntsville program, yes, and the home must be your primary residence inside city limits for at least five years. Some AHFA programs are open to repeat buyers too. Program rules change, so confirm current terms with the city or a participating lender.

Can I combine assistance with an FHA, VA or USDA loan?

Often, yes. Most assistance programs work alongside FHA, VA, USDA or certain conventional loans through a participating lender. We can introduce you to local lenders who work with these programs.

Want to know what you qualify for?

Tell us your situation and we will connect you with a lender who works with these programs, then find homes that fit the rules.

Talk to usEmail me starter homes
406 Jackson Point Circle, Huntsville
$300,000
4 Beds ⋅ 1.75 Baths ⋅ 21932732 MLS ⋅ 1,843 SqFt. ⋅ 35811 Zip Code ⋅ ACTIVE Status
Preferred lender offering a 1% RATE BUY DOWN FOR ONE YEAR - ask for details! Fall in love with the perfect blend of modern style, comfort and easy living in this beautiful almost new full-brick home! Four bedrooms and two baths this inviting home boasts luxury vinyl plank flooring, Shaker-style cabinetry, stainless steel kitchen appliances, granite countertops in the kitchen and baths with stylish LED lighting throughout. Two-car garage adds everyday convenience while the covered front porch and back patio create welcoming spaces to unwind or entertain. Enjoy the added privacy of a fenced yard with a treelike backdrop and landscaping that enhances curb appeal. A wonderful place to call home!

406 Jackson Point Circle, Huntsville
163 List Road, Huntsville
$300,000
3 Beds ⋅ 1.75 Baths ⋅ 21931691 MLS ⋅ 1,683 SqFt. ⋅ 35810 Zip Code ⋅ ACTIVE Status
Offering 1% lender credit with preferred lender & 4.9% VA ASSUMABLE LOAN! This home features an inviting open floor plan filled with natural light. The spacious kitchen offers a large center island and seamlessly connects to the dining and living areas, creating an ideal space for everyday living and entertaining. The isolated owner's suite features a private bath with double vanities, a soaking tub, separate shower, private water closet, and an exceptionally spacious walk-in closet. This well-designed floor plan maximizes both comfort and functionality. Don't miss this opportunity to enjoy move-in-ready living with an attractive financing options. Schedule your private showing today!

163 List Road, Huntsville
1808 Edgemere Court Se, Huntsville
$300,000
2 Beds ⋅ 2 Baths ⋅ 21930987 MLS ⋅ 1,530 SqFt. ⋅ 35803 Zip Code ⋅ ACTIVE Status
Welcome to this amazing 2bed/2 bath patio home! Perfect location for multiple ages & stages of life. This home offers a large open living space. The sunroom is the perfect place to create a flex room, plant room, or simply extra living room. Enjoy cooking in an updated kitchen complete with new granite countertops and all new appliances (all of which convey, including the fridge). The backyard is just the right size for playing and gardening. In this home you will find fresh landscaping, a new screened in patio, all new kitchen appliances, washer/dryer combo (that can convey) and more! Minutes from trails, grocery, restaurants, and shopping.

1808 Edgemere Court Se, Huntsville
2026 Wooddale Drive Ne, Huntsville
$300,000
3 Beds ⋅ 2 Baths ⋅ 21930940 MLS ⋅ 1,596 SqFt. ⋅ 35801 Zip Code ⋅ ACTIVE Status
Preferred lender offering a 1% RATE BUY DOWN FOR ONE YEAR - ask for details! Conveniently located in Huntsville, this inviting three bedroom home offers the space, privacy and location you've been looking for. Situated on a generous half-acre homesite, the property features a private yard with plenty of room to relax, play or entertain. Inside, two living areas provide flexibility for gatherings, a home office, playroom or quiet retreat. Vaulted ceilings add an airy feel, while the new HVAC, fresh paint throughout and updated primary bath (2024) provide added comfort. Close to schools, shopping, dining and everyday conveniences!

2026 Wooddale Drive Ne, Huntsville
801 Wells Avenue Se, Huntsville
$300,000
2 Beds ⋅ 0.75 Baths ⋅ 21930781 MLS ⋅ 1,139 SqFt. ⋅ 35801 Zip Code ⋅ ACTIVE Status
Own a piece of Huntsville history in this beautifully restored 1925 Victorian cottage in the Historic District, ideally located in the heart of Five Points across from Olde Town and near Maple Hill Cemetery. A charming wrap-around porch welcomes you inside to soaring ceilings, new wood floors, and abundant natural light. Original details include period windows, bullseye molding, and mirrored oak fireplaces in the living room and primary bedroom. Kitchen is flooded with natural light and tile flooring, while the renovated bath and spacious utility room add modern convenience. Walkable to restaurants & shopping! Home is a must see!

801 Wells Avenue Se, Huntsville
600 Beirne Avenue Ne, Huntsville
$300,000
3 Beds ⋅ 1 Baths ⋅ 21929377 MLS ⋅ 1,200 SqFt. ⋅ 35801 Zip Code ⋅ ACTIVE Status
Charming five points bungalow with 3BR, 1BA, move in ready for you! Welcoming front porch in the cozy neighborhood around the corner from downtown huntsville, restaurants, shops and activities! All appliances to remain, this one is the perfect starter or investment property for anyone wanting to be near the action, corner lot plus there is a storage bldg plus separate and large workshop at the back alley! Possible short term rental potential! Recent updates to include roof, gutters, tankless water heater and more! 24x36 WORKSHOP is heated and cooled and has back alley access, plus 2 storage buildings.

600 Beirne Avenue Ne, Huntsville
3616 Triana Blvd Sw, Huntsville
$300,000
4 Beds ⋅ 2.5 Baths ⋅ 21924401 MLS ⋅ 2,207 SqFt. ⋅ 35805 Zip Code ⋅ ACTIVE Status
Luxury minutes to Downtown! In the heart of one of Huntsville's most anticipated entertainment districts sits this stunningly remodeled historic home. Inside, a striking beam separates the dining area from the dream kitchen featuring a large island, breakfast bar, chef-grade appliances, and ample storage. Two primary suites boast beautiful hardwood floors and artfully tiled baths. Upstairs, enjoy spacious guest suites and the primary bathroom of your dreams with a gilded soaking tub. Once a duplex built to house mill workers, this historically significant property has been thoughtfully reimagined into a one of a kind dream home, perfectly suited for a new urbanite with discerning taste.

3616 Triana Blvd Sw, Huntsville
2802 Nw Brett Road Nw, Huntsville
$300,000
6 Beds ⋅ 2.5 Baths ⋅ 21919980 MLS ⋅ 3,396 SqFt. ⋅ 35810 Zip Code ⋅ ACTIVE Status
Full brick, three bedroom three baths ,isolated master suite, also beautiful sunroom on the upper floor, down stairs could be used for a apartment or mother in law suite, also has a detach building fully wired for extra activities.

2802 Nw Brett Road Nw, Huntsville
3101 Kirkland Circle, Huntsville
$300,000
3 Beds ⋅ 1 Baths ⋅ 21918278 MLS ⋅ 1,019 SqFt. ⋅ 35810 Zip Code ⋅ ACTIVE Status
Beautiful Corner Lot Home on a quiet Cul-de-Sac. This well maintained home offers ample living space, 3-bedrooms, and a Living room filled with beaitiful natural light, and features crown molding throughout and stylish designer lighting that adds a touch of class to each room. Beautiful wood floors throughout – No Carpet. The large, bright kitchen offers lots of cabinetry, stainless appliances, and an adjoining Dining room area perfect for meals and entertainment. The large backyard is fully fenced and backed by mature trees, a Gazebo and a storage shed, lots of privacy. Its Move in Ready!!

3101 Kirkland Circle, Huntsville
1004 Peck Road Ne, Huntsville
$299,999
3 Beds ⋅ 2 Baths ⋅ 21924807 MLS ⋅ 1,567 SqFt. ⋅ 35801 Zip Code ⋅ ACTIVE Status
Updated 3-bedroom, 2-bath home in the highly sought-after Blossomwood Elementary school zone! Thoughtfully renovated with a spacious primary suite featuring a newly added private bath with dual vanities, quartz countertops, and a walk-in closet. The updated kitchen offers quartz countertops, white cabinetry, stainless steel finishes, and a striking wood-accented island. Modern flooring and fresh finishes flow throughout. Enjoy an inviting covered front porch, large yard, and move-in-ready updates in one of Huntsville’s most desirable school zones.

1004 Peck Road Ne, Huntsville
1102 Stevens Avenue, Huntsville
$299,900
2 Beds ⋅ 1 Baths ⋅ 21929145 MLS ⋅ 880 SqFt. ⋅ 35801 Zip Code ⋅ ACTIVE Status
Everything New & Impeccably Finished this beautifully updated home every major feature has been renewed for modern comfort and style in 2023, includes new HVAC system with all-new ductwork, new windows and doors, fresh wood siding, and fully updated electrical and plumbing a turnkey property. refinished hardwood floors, vaulted ceilings, and elegant transom windows that flood the space with natural light. The kitchen and baths feature new tile, fixtures, toilet, and sink, all selected for durability and contemporary appeal. Every room is enhanced with new light fixtures

1102 Stevens Avenue, Huntsville
1718 Hampton Road Nw, Huntsville
$299,900
4 Beds ⋅ 2.25 Baths ⋅ 21928861 MLS ⋅ 1,954 SqFt. ⋅ 35816 Zip Code ⋅ ACTIVE Status
OPEN HOUSE SUNDAY 2 to 4! UPDATED PRICE & FULLY RENOVATED! This 1,954 sq ft brick rancher offers 4 generous bedrooms, 2.5 baths & updates from top to bottom! Enjoy a NEW roof, NEW HVAC with natural gas heat, renovated kitchen with granite counters, stainless appliances & built-in pantry, updated baths, fresh paint & new lighting throughout. The oversized gathering room features a NEW gas log fireplace. Relax or entertain on the private patio on a beautifully shaded lot with mature trees and plenty of space for the gardener in you to create something special. Indoor laundry plus oversized 1-car garage with HUGE workshop/storage area complete this stunning home!

1718 Hampton Road Nw, Huntsville
3329 Spinners Court, Huntsville
$299,850
4 Beds ⋅ 3 Baths ⋅ 21932049 MLS ⋅ 1,796 SqFt. ⋅ 35805 Zip Code ⋅ ACTIVE Status
Under Construction-The Josephina II is built for connection. The kitchen serves as the home’s social hub, perfectly positioned between the family and dining rooms. Transition easily to the covered back patio for outdoor relaxation.The secluded primary retreat offers a trey ceiling, dual vanity, and a soaking tub. On the opposite side, find three additional bedrooms—all with trey ceilings—and two full baths to ensure everyone has space. With quartz counters throughout and a thoughtful layout, this home is made for life. Visuals for inspiration. Pricing is the base starting point; final price based on selections

3329 Spinners Court, Huntsville
1000 Spinners Court, Huntsville
$299,850
4 Beds ⋅ 3 Baths ⋅ 21921886 MLS ⋅ 1,760 SqFt. ⋅ 35805 Zip Code ⋅ ACTIVE Status
Under Construction-The Josephina II is built for connection. The kitchen serves as the home’s social hub, perfectly positioned between the family and dining rooms. Transition easily to the covered back patio for outdoor relaxation.The secluded primary retreat offers a trey ceiling, dual vanity, and a soaking tub. On the opposite side, find three additional bedrooms—all with trey ceilings—and two full baths to ensure everyone has space. With quartz counters throughout and a thoughtful layout, this home is made for life. Visuals feature a similar home for inspiration.

1000 Spinners Court, Huntsville
380 Jackson Point Circle, Huntsville
$299,680
4 Beds ⋅ 2 Baths ⋅ 21920921 MLS ⋅ 1,841 SqFt. ⋅ 35811 Zip Code ⋅ ACTIVE Status
**Qualifies for 5.50% 2/1 GOV Buy Down AND up to $30,000 in Flex Cash with preferred lender for NOVEMBER CLOSING! **AS LOW AS 3.50 - 4.50 - 5.50** **COMES WITH FRIDGE, W/D, CEILING FANS, BLINDS, & SHOWER DOOR**Full Brick Home! Discover the popular Cali floorplan with 4-bedrooms, 2-bathrooms, and 1,841 sq ft of space. Two front bedrooms share a bath, while another is perfect for guest or an office. Enjoy an open concept kitchen, dining, and great room with granite or quartz counters, stainless appliances, and a corner pantry. Smart home features in the Home is Connected package offer added convenience.

380 Jackson Point Circle, Huntsville
342 Ruby Elm Avenue Ne, Huntsville
$299,315
4 Beds ⋅ 1.75 Baths ⋅ 21917929 MLS ⋅ 1,558 SqFt. ⋅ 35810 Zip Code ⋅ ACTIVE Status
**Qualifies for 5.50% 2/1 GOV Buy Down AND up to $30,000 in Flex Cash with preferred lender for NOVEMBER CLOSING! **AS LOW AS 3.50 - 4.50 - 5.50** **COMES WITH FRIDGE & BLINDS!!**The Freeport- a Home that fits many lifestyles. Greeted by a Foyer with inviting LVP flooring, find great spaces for children, guests or roommates with 3 secondary beds & bathroom with granite or quartz countertops. Be immersed in open living spaces that feature granite or quartz countertops, stainless steel appliances, shaker style cabinets, & walk-in corner pantry. A dining room & island spacious enough for dinner parties that overlook the backyard. The primary suite has dual vanities & two closets!

342 Ruby Elm Avenue Ne, Huntsville
221 Beirne Avenue, Huntsville
$299,000
3 Beds ⋅ 1.75 Baths ⋅ 21930967 MLS ⋅ 1,282 SqFt. ⋅ 35801 Zip Code ⋅ ACTIVE Status
Minutes away from Downtown Huntsville. This classic, one-level rancher gives you an easy home base in one of the city’s most convenient spots. Updated interior with hardwood and LVP flooring, fresh light fixtures, quartz kitchen countertops, and a renovated primary bath with tiled shower. Out back, there’s a large fenced yard and deck with plenty of room to grill or relax. And when you’re ready to get out, Five Points, University Drive, I-565, and Downtown Huntsville are all just minutes away.

221 Beirne Avenue, Huntsville
6401 Eric Street Nw, Huntsville
$299,000
3 Beds ⋅ 2.5 Baths ⋅ 21928265 MLS ⋅ 2,075 SqFt. ⋅ 35810 Zip Code ⋅ ACTIVE Status
Updated 3 bedroom, 2.5 bath home featuring an open floor plan, tons of storage, and two spacious living areas with plenty of room to entertain and spread out. The kitchen offers granite countertops, GE Café appliances, abundant cabinetry, a large island, and separate eat-at counter. The primary suite features a massive walk-in closet. Outside, enjoy a fenced backyard, storage shed, and two-car garage. Seller is offering $12,000 toward flooring and paint with an acceptable offer, giving buyers the opportunity to add their own finishing touches!

6401 Eric Street Nw, Huntsville
7209 Chatfield Way Nw, Huntsville
$299,000
4 Beds ⋅ 2.5 Baths ⋅ 21924011 MLS ⋅ 2,108 SqFt. ⋅ 35806 Zip Code ⋅ ACTIVE Status
Beautiful 4 Bdr/3 Bath Home convenient to Research Park, Mid-City & Providence. Main level designed for entertaining w/open kitchen, dining rm & living space. The kitchen has plenty of cabinets, granite counter tops & pantry. Large laundry room near by. The living area leads out to a quiet covered back patio. Upstairs you will find a large owner's suite w/a cozy sitting area, glamour bath w/separate tub - shower, large walk-in closet. Three additional bedrooms, all boasting trey ceilings. Small loft can be a study nook. House has been freshly painted/freshly cleaned carpet. Refrigerator remains. Curb appeal, lovely neighborhood offers a nostalgic feel of days gone by. This is a must see!

7209 Chatfield Way Nw, Huntsville
2108 Southpark Blvd Sw, Huntsville
$299,000
3 Beds ⋅ 2.5 Baths ⋅ 21907248 MLS ⋅ 1,830 SqFt. ⋅ 35803 Zip Code ⋅ ACTIVE Status
This beautifully renovated South Huntsville home was designed with entertaining and everyday comfort in mind! The kitchen features black stainless steel appliances, a gas range, and a refrigerator that remains with the home. Open the French-style sliding doors and step onto the oversized deck—perfect for relaxing or entertaining. Shiplap and barnwood accent walls add warmth and character throughout. The spacious, secluded primary suite offers a large walk-in closet and private access to the deck and backyard. This home includes three bedrooms, three bathrooms, and a detached powered garage with tandem doors providing access to front and back yard.

2108 Southpark Blvd Sw, Huntsville
412 Delia Ann Lane, Huntsville
$298,400
4 Beds ⋅ 2.5 Baths ⋅ 21928319 MLS ⋅ 1,955 SqFt. ⋅ 35811 Zip Code ⋅ ACTIVE Status
The appealing RC Ashton plan is rich with curb appeal with its welcoming covered front entryway and front yard landscaping. This one-story home features 4 bedrooms, 2.5 bathrooms plus a flex room. The front foyer leads to the flex room, perfect for an office or playroom. Enjoy a large fully equipped kitchen with generous counterspace, pantry, and island. The master suite features a large walk-in closet. Enjoy amazing sunsets on the OVERSIZED COVERED back porch.

412 Delia Ann Lane, Huntsville
511 Ledesma Lane, Huntsville
$298,400
4 Beds ⋅ 2.5 Baths ⋅ 21921393 MLS ⋅ 1,955 SqFt. ⋅ 35811 Zip Code ⋅ ACTIVE Status
The appealing RC Ashton plan is rich with curb appeal with its welcoming covered front entryway and front yard landscaping. This one-story home features 4 bedrooms, 2.5 bathrooms plus a flex room. The front foyer leads to the flex room, perfect for an office or playroom. Enjoy a large fully equipped kitchen with generous counterspace, pantry, and island. The master suite features a large walk-in closet. Enjoy amazing sunsets on the OVERSIZED COVERED back porch.

511 Ledesma Lane, Huntsville
6313 Taramore Lane, Huntsville
$298,350
4 Beds ⋅ 2.5 Baths ⋅ 21920126 MLS ⋅ 2,185 SqFt. ⋅ 35806 Zip Code ⋅ ACTIVE Status
Under Construction-The Scottsdale. Enjoy entertaining friends & family in the generously sized living room/dining room area as everyone mingles around the quartz island in the kitchen. Take it outside to your covered patio & fire up the grill. There is plenty of countertop space for all the game day food in your roomy kitchen. Head upstairs to find your primary suite, complete with its own sitting area, a tray ceiling, double vanity in the bath with a separate tub & shower along with a huge walk-in closet. The other 3 bedrooms also have tray ceilings. 2 car garage. Visuals feature a similar home for inspiration. Pricing is the base starting point; final price varies based on upgrades and fea

6313 Taramore Lane, Huntsville
13014 Se Coys Drive Se, Huntsville
$298,000
3 Beds ⋅ 2 Baths ⋅ 21930170 MLS ⋅ 1,679 SqFt. ⋅ 35803 Zip Code ⋅ ACTIVE Status
Welcome to this charming 3bed/2bath rancher in SE Huntsville. Minutes from shopping, dining, and schools, it features a spacious, functional layout, a cozy wood-burning fireplace with blower, and a private backyard perfect for entertaining. This home is minutes from Ditto Landing and the New Sabdra Moon complex. Enjoy NEW interior paint, NEW LVP flooring throughout, and NEW countertops, making this home move-in ready. Double ovens are also offered for convenience when cooking. Don't miss this fantastic opportunity!

13014 Se Coys Drive Se, Huntsville
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