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Downpayment Assistance Program

Home Ownership Opportunities

The City of Mobile’s First Time Home Buyers’ Program is a homeownership program designed to help income eligible households with down payment and closing costs assistance to purchase a home within the City of Mobile.  All applicants accepted to participate in this program must complete a pre-purchase homeowner counseling and education course.  Down Payment Assistance funds are forgiven provided the applicant resides in the house for five years.  For City-sponsored single family developments, the City may provide a second mortgage to make the home more affordable.  Homes must pass a Housing Quality Standards (HQS) inspection to ensure the home meets HUD’s minimum health and safety standards.  Funding for this program is made available to the City of Mobile’s Community & Housing Development Department through the U.S. Department of Housing and Urban Development (HUD).