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Alabama under review

AHFA Step Up

AHFA still presents Step Up as a live statewide program, but current official public materials conflict on the income cap and do not publish a clean public second-mortgage term sheet.

Under review 2026-04-21 2026-07-21
This official signal is still under review.

Keep the official source in view, confirm the current status directly, and avoid treating this page like a verified program detail page yet.

Official sources

Source links tied to this signal

Go to Alabama program hub

Comparison notes

What the sources say

These notes keep conflicting or conditional source language visible instead of flattening it into a fake clean answer.

Main AHFA page shows the higher income cap

The live Step Up page says the program uses a 30-year fixed first mortgage plus a 10-year second mortgage up to 4% of the sales price capped at $10,000 and shows an annual income cap of $172,800.

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AHFA's other official property still shows a lower income cap

AHFA's Buying My Alabama Home property still lists Step Up with an income cap of $130,600, which directly conflicts with the main AHFA program page.

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Public term detail is still incomplete

Current public pages confirm the combined 30-year first mortgage and 10-year second mortgage structure, but AHFA says detailed program manuals sit in AllRegs, leaving the public second-mortgage repayment rules incomplete.

View source

Verification checklist

What to verify yourself

Use this checklist to confirm current status, scope, and eligibility directly at the official source.

  1. Confirm whether the current Step Up income cap is $172,800 or $130,600.
  2. Confirm whether AHFA has posted a public Step Up sales-price limit that matches the live underwriting rules.
  3. Confirm whether AHFA publishes a public second-mortgage note summary instead of leaving repayment detail inside AllRegs only.
  4. Confirm whether Step Up remains open across all listed first-mortgage channels under the same current rules.

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