Alabama Caucus Information


  • Thurs. Nov. 3rd – 9 am Central via ZOOM~ PACKET


AHFA News/Updates!

11/1/22 – Mortgage Assistance Program closed to applications

AHFA Commits More Than $100 Million in Relief to State’s Most Vulnerable Homeowners. Mortgage Assistance Alabama (MAA) program has exceeded its goals, receiving enough applications to fully commit its $100.5 million allocation from the U.S. Treasury to help low- and moderate-income Alabamians keep their homes. Alabama is one of the first seven states and U.S. territories to achieve this program milestone.

Since the program opened in August 2021, 2,808 households in 65 of 67 Alabama counties have received $64.5 million in disbursed or pledged assistance and have avoided foreclosure. An additional 2,030 applications are being processed and will exhaust the remaining $36 million in available Treasury funding.
We are not accepting further applications at this time, because the number of applications we can accept based on funds made available by the U.S. Treasury has been met,” said Carrie Hamaker, AHFA’s single-family administrator.
AHFA Offices to Close for November Holidays
AHFA and ServiSolutions will be closed Friday, November 11 in observance of Veterans Day, and Thursday, November 24 and Friday, November 25 for the Thanksgiving holiday.

AHFA Board of Directors Approve Allocation Plans…

During its September 20 meeting, the AHFA Board of Directors approved the final versions of the 2023 Housing Credit Qualified Allocation Plan, the HOME Action Plan, the National Housing Trust Fund Allocation Plan, and the HOME-ARP Plan (an amendment to the 2021 HOME Action Plan). The allocation plans will be used to direct the application process and funding awards for 2023 multifamily development proposals. The plans are available for download here.

2/8/22 – New Year, New Changes to Step Up Program – changes in effect as of Jan. 21, 2022

Increased Assistance Amounts

Now homebuyers can receive even more down payment assistance with AHFA’s Step Up program. The maximum down payment assistance increased from $7,500 or 3% of the sales price (whichever is less) to $10,000 or up to 4% of the sales price (whichever is less), allowing a portion to pay homebuyer closing costs!

VA First Mortgage Program

Now offering a first mortgage option for veterans that can be combined with down payment/closing cost assistance of up to $10,000 or 4% of sale price (whichever is less). To find out more, visit

Click here to check out AHFA’s FY21 Annual Report. The report also contains a link to our financial statements. 

2022 Allocation Plans Approved
The AHFA Board of Directors approved the final 2022 HOME, Housing Credit, and National Housing Trust Fund allocation plans during its December 2 meeting. The allocation plans will be used to direct the application process and funding awards for 2022 multifamily development proposals.   Application materials and timelines are forthcoming and will be announced in upcoming Multifamily Notices.   The plans are available for download at

Find out about Emergency Housing Assistance LEARN MORE

8/3/2021Emergency Rental Assistance Flyer – ERA Alabama works with LSA lawyers to expedite cases for renter households who have submitted a rental assistance application online with, have been served a formal eviction notice or court case filing, and are eligible to remain in their existing households based on the landlord’s separate ERA Alabama application and agreement. LSA serves low-income people by providing civil legal aid and by promoting collaboration to find solutions to problems of poverty. They have eight offices around the state that service all 67counties in Alabama. +

Today, twenty lawyers from all eight LSA offices in the state participate in the program. As of July 30, the program has helped 81 Alabama families. Another 25 cases are pending. The Imminent Eviction Prevention Initiative is open to other attorneys whose clients may be interested in participating.

7/29/21 –AHFA conducted a public hearing today in Montgomery concerning proposed 2022 program plans: the HOME Investment Partnerships Program Action Plan, the Housing Credit Qualified Allocation Plan, and the National Housing Trust Fund Allocation Plan. AHFA will accept written comments until 5 p.m. on August 27. All written comments must be submitted using the AHFA 2022 Plan Comment form available at

6/3/2021 – AHFA has been appointed to operate the federal government’s new mortgage assistance program. The U.S. Department of Treasury is providing funding through the Homeowners Assistance Fund established under the American Rescue Plan Act of 2021. In Alabama, the program will operate as “Mortgage Assistance Alabama.”

The program will be developed during the summer under the supervision of the Department of Treasury, which will include a limited test program to assess a proposed plan.

The Department of Treasury is expected to approve the start of the statewide program for this fall. Additional information from the Department of Treasury is available at For more information, and to sign up to be notified when the statewide program opens this fall, visit

Hardest Hit Alabama Reopens to Help Families Affected by COVID-19 AHFA has taken action to help Alabama families affected by the COVID-19 pandemic by reopening Hardest Hit Alabama (HHA). HHA provides short-term mortgage payment assistance to those who have lost employment or income due to COVID-19. 

  • Eligibility Requirements:
  • Maximum assistance: Up to $30,000
  • Total Household income: $91,420 (includes income of all occupants 18+ years)
  • Maximum Unpaid Principal: $300,000 (must include balance of all outstanding liens)
  • Homeowners who are receiving or who have received mortgage payment assistance from HHA in the past are NOT eligible for additional assistance

Anticipating a high demand for this program, HHA will accept applications in cycles of 200 submissions each. Upon receipt of 200 applications, we will temporarily close the application portal to evaluate them. During this time, applicants may check their application status online to confirm they have submitted all required documents.  Homeowners may get more information about HHA and submit an application by visiting

4/22/2021 – AL Caucus Update from the Spring Retreat – See Video of Tim Thrasher HERE

Emergency Rental Assistance Alabama Accepts Applications Beginning March 1

Emergency Rental Assistance (ERA) Alabama is now taking applications. Landlord and tenants can apply at Call Center staff are available at 833-620-2434 to answer questions and help with applications if necessary. 

ERA Alabama can help renters with past due, current and up to 3 months of expected rent and utility and home energy expenses. Find out more at

Separate from ERA Alabama, the Act also funds separate rental assistance programs serving residents of Baldwin, Madison, Mobile, Montgomery, Tuscaloosa, and Jefferson Counties, and the cities of Huntsville and Birmingham. Residents in those local areas with separate programs must apply there, not with ERA Alabama. However, if the local program in your area is not yet operating, ERA Alabama might accept your application. Call 833-620-2434 for details.

Anticipated Eligibility Requirements

In order to receive financial assistance through ERA, tenants must meet all of the following:

  • Have a valid rental agreement in their name
  • Household’s total gross income cannot exceed 80% Area Median Income for location
  • The household has experienced a loss of income due to COVID-19, for example:
  • Being laid off
  • Place of employment has closed
  • Reduction in hours of work
  • Loss of spousal/child support
  • Inability to find work due to COVID-19
  • Having to stay home with children due to closure of day care/school
  • Unable to participate in previous employment due to the workplace’s high risk of severe illness from COVID-19

Anticipated Documentation

  • Proof of income (pay stubs, bank statements, letter from employer, award letters, pension)
  • Valid lease or other written documentation of landlord-tenant relationship

Coverage of Rent and Utility Costs

ERA Alabama can help renters with the following costs starting as far back as March 13, 2020:

  • Past due, current and up to 3 months of expected rent costs
  • Past due, current or up to 3 months of expected utility and home energy expenses
  • After the initial 3 months of forward assistance, you can apply for 3 additional months of assistance if funds are still available

While applicants may be assisted for up to 15 months, ERA Alabama will not commit funds for prospective (future) rent for more than a 3-month period at a time. Applicants must reapply every 3 months and will only be assisted if funds are still available

New Option Available for Buyers Combining Step Up with Conventional Financing

There’s a new financing option for homebuyers looking for conventional financing in combination with AHFA’s Step Up program. Effective February 1, 2021, homebuyers earning above 80% of the Area Median Income but not exceeding the $130,600 maximum qualifying income are now eligible for the Step Up Conventional program!

Homebuyers must have a credit score of 680 or higher for this program. All other Step Up eligibility requirements remain the same. This change will allow our Step Up program to help make buying a home more affordable for even more Alabamians! Contact us at to find out more and for help finding a participating lender in your area.

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FHLB-Atlanta News/Updates

Funding for FHLBank Atlanta’s 2021 Affordable Housing Program (AHP) Homeownership Set-aside Program will be available beginning January 19, 2021

We are enhancing and streamlining the homeownership program offering for 2021 as we work to become Stronger. Better. Together. These updates are designed to increase product impact and meet the current and emerging housing needs in your communities.

  • Program highlights include:
  • Expanding the Community Partners product to include veterans and active-duty military, or their surviving spouse, and COVID-related essential workers. Maximum funding will increase to $10,000 per household
  • Increasing the maximum funding for the First-time Homebuyer product to $7,500 per household
  • Expanding Community Rebuild and Restore product to include COVID­ related FEMA disaster declarations areas

Help Community Heroes Purchase a Home – New Program! Community Heroes, in partnership with FHLB-Atlanta helps law enforcement officers, public school educators, firefighters, and other first responders purchase a home.  Learn more HERE

Office of National Drug Control Policy

We are very excited to share that on Friday, the Administration released a new tool to assist rural community leaders in building an effective local response to the crisis of addiction, the Rural Community Action Guide: Building Stronger, Healthy Drug-Free Rural Communities.  

The guide complements both the Community Assessment Tool, which gives county specific data about deaths and factors which may make a community more vulnerable to addiction, and the Federal Rural Resources Guide, which includes comprehensive information about different federal funds for rural communities impacted by addiction.  The Guide also has a companion supplement, a listing of promising practices which you can find here: Rural Community Action Guide: Promising Practices.

Per Anne Hazlett, news sent on funding announcements every few weeks- to be added to that list, please email Betty-Ann Bryce

Kaboom grant for playground equipment – rolling deadline, fundraising match required – check it out HERE Frequently Asked questions/answers HERE