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Get Matched Free →City of Birmingham Ready to Own Down Payment Assistance Program
Funding status: Active
How much assistance
Up to $10,000
Zero-interest forgivable loan. Fully forgiven after 5 years of owner-occupancy as primary residence.
Eligibility
- Income limits: At or below 80% of Area Median Income based on household size
- First-time buyer required: Yes — Must not have owned a home in the last 3 years.
- Geographic restrictions: Property must be within Birmingham city limits.
- Homebuyer education required: Yes
How to Apply for City of Birmingham Ready to Own Down Payment Assistance Program
Apply online through the City of Birmingham Community Development website at cobcd.com/ready-to-own. Complete a HUD-approved homebuyer education course through Neighborhood Housing Services of Birmingham or Operation Hope. Contact the Department of Community Development at (205) 254-2483 for details.
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