HABD Homeownership Program

Administered by: Housing Authority of the Birmingham District (HABD) · City · Deferred Loan

Funding status: Active

How much assistance

Affordable homes at below-market prices on HABD-owned sites (Deferred Loan)

Terms vary by property. Contact HABD for current pricing and terms.

Eligibility

  • Income limits: Minimum annual income of $15,000; maximum income below 80% of AMI ($75,500 for Birmingham metro)
  • First-time buyer required: No
  • Credit score minimum: 620
  • Geographic restrictions: HABD-owned properties in Birmingham including Tuxedo Terrace and Mason City.
  • Homebuyer education required: Yes

How to Apply for HABD Homeownership Program

Step 1: Complete the HABD homeownership application and submit to homeownershipinfo@habd.net or drop off at 1826 3rd Avenue South, Birmingham, AL.

Visit program website

Notes

Priority given to: (1) public housing residents, (2) Section 8 residents, (3) low-to-moderate income families. Requires acceptable rental history and good credit for 2 years.

Cities Where This Program Is Available