Free First-Time Homebuyer Training

Family Services Center provides free training on buying your first home, This course is ideal for those that intend to purchase a home relatively soon (within 0-6 months). Learn how to obtain an affordable mortgage, the best way to shop for a home (mortgage), and about financial assistance that may be available to you. We also provide information on how to improve your credit score in order to qualify for the lowest cost mortgage, how to avoid foreclosure and much more. This course is required for several financial assistance programs. Individual counseling sessions are also available at no charge.

each training course consists of two parts (4-hours each) that are repeated monthly. you must attend both sessions - part I and part II.

2014 First-Time Homebuyer Training Sessions

  • Part I - Mondays
    5:00pm sharp - 9:00pm

    • Jan 6
    • Feb 3
    • Mar 3
    • Apr 7
    • May 5
    • June 2
    • July 14
    • Aug 4
    • Sep 8
    • Oct 6
    • Nov 3
    • Dec 1

  • Part II - Tuesdays
    5:00pm sharp - 9:00pm

    • Jan 7
    • Feb 4
    • Mar 4
    • Apr 8
    • May 6
    • June 3
    • July 15
    • Aug 5
    • Sep 9
    • Oct 7
    • Nov 4
    • Dec 2

All classes are held from 5:00pm (sharp) to 9:00pm at Family Services Center. Those who arrive after 5:00 may not be allowed to enter into the class. Call 551-1610 to reserve a seat.

Food and/or drinks are allowed in class; unfortunately children & individuals under the age of consent (19 yrs. old) are not allowed.

Financial Assistance for First-Time Homebuyers

The City of Huntsville Community Development Department provides downpayment and/or closing cost assistance for first time homebuyers in Huntsville. The program, Huntsville Downpayment Assistance Program (DAP), is available on a first-come, first-served basis, until funds run out.

$5000 is provided at time of closing to be used exclusively for the downpayment and/or closing costs associated with buying a single-family home. The $5000 is a 0% interest deferred loan with no monthly payments. The loan is gradually forgiven by 20% per year and is totally forgiven after the buyer has lived in the home for five (5) years.

Applicants must meet all of the following requirements to be eligible:

  • Be a first-time homebuyer*
  • Complete a free eight-hour Homebuyers Education Course provided at Family Services Center
  • Have at least $500 in personal savings account prior to loan closing
  • Purchase home in Huntsville city limits, not in flood plain, with purchase price not exceeding $150K
  • Home must be built 1978 or after, or if built pre-1978, it must pass a lead-based paint assessment performed by certified company
  • Home cannot be a Neighborhood Stabilization Program (NSP) property (from FSC, HHA or HFH)
  • Home must pass a (no-charge) code inspection* by City of Huntsville before closing, so foreclosure may not work
  • Use a City-approved lender (and approved builder, if new home), no seller financing
  • Live in the property - it cannot be used for rental, business, or other commercial purposes
  • Meet lender standards for creditworthiness with maximum qualifying ratios of 31 & 43*
  • Have a household income (gross income of all persons who will live in home) at or below 80% of the area’s median income based on family size as defined by HUD

If you meet all of the eligibility requirements above, call Family Services Center at 256-551-1610, or visit us at our office to apply.

if you would like to help or need further information, please contact us by phone: 256-551-1610, e-mail:, or in person at 4092 Memorial Pkwy SW, Suite 205, Huntsville, AL 35802.