Community Development H.O.M.E. Program

Decatur Home Ownership Made Easier

What is DECATUR H.O.M.E.?
DECATUR H.O.M.E. provides financial assistance to qualified low-income families for the purchase of a home with MINIMUM MONEY DOWN. Download the Decatur H.O.M.E. Presentation PowerPoint.

The City of Decatur will pay ½ of minimum required down payment or the entire minimum required closing costs, some including prepaids.

The home you purchase must be located in the city limits of Decatur.

How Does it Work?

  1. Contact a participating mortgage company to pre-qualify for your loan
  2. Select the home to be purchased
  3. Negotiate with the seller to establish price and sign a contract
  4. Make application with the Community Development Department* (Application Requirements)
  5. Attend Housing Counseling Course
  6. Attend loan closing

Download a list of participating closing attorneys and realtors here.

*At time of application, please bring a recent check stub for all household members who earn an income OR a copy of your tax records for verification of income.

If your family size is: Your income must not exceed:
1 $31,450
2 $35,950
3 $40,450
4 $44,900
5 $48,500
6 $52,100
7 $55,700
8 $59,300

Do I Qualify?

  • You must not have owned a home in the last three years
  • You must have mortgage loan approval
  • You must never have participated in the Decatur HOME program before

For more information:
Community Development Department
City of Decatur
City Hall, 5th Floor
402 Lee Street
Decatur, AL 35601
(256) 341-4960