{"status":200,"message":"Success","data":{"id":"e2b6c9c4-3f0c-5677-872c-2abaf8c1ec98","title":"First Step Mortgage Revenue Bonds","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"6179afcd-7421-4fa6-9991-d1265dd7a9f2"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"al:ahfa-first-step-mortgage-revenue-bonds"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"First Step offers below-market, 30-year fixed mortgage rates to first-time or repeat homebuyers on FHA, VA, USDA and Freddie Mac HFA Advantage loans. All borrowers are eligible for down payment assistance of up to $10,000 or 4% of the sales price, whichever is lower, secured by a 10-year second mortgage. Borrowers using HFA Advantage may also qualify for the Affordable Income Subsidy Grant.","funding":{"details":"Down payment assistance up to $10,000 or 4% of sales price","maxAwardAmount":{"amount":"10000.00","currency":"USD"}},"funders":{"primary":{"id":"e789d8df-e60e-5e73-8958-dec62f181215","name":"Alabama Housing Finance Authority","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"83eb39a9-616c-41d4-a06e-d5a06cec45cd","allIds":[{"id":"83eb39a9-616c-41d4-a06e-d5a06cec45cd","status":"active"}]},"org:us:al:agency":{"registry":{"code":"org:us:al:agency","url":"https://opengrants.io/common-grants/registries/org-us-al-agency.json"},"id":"AHFA"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Available through participating lenders; no application round"}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"}],"source":"https://www.ahfa.com/programs/homeownership/available-programs/first-step-mortgage-revenue-bonds","customFields":{"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Homebuyers who meet federally established income and sales price limits for their area, meet creditworthiness standards, and live in the home (no business, commercial or rental use). First-time or repeat homebuyers within federal income and sales price limits."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://www.ahfa.com/programs/rental-housing/multifamily-programs","description":"Alabama Housing Finance Authority grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-09T06:03:59Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"AL","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"ahfa","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"AHFA","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://www.ahfa.com/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Individual"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"First-time or repeat homebuyers within federal income and sales price limits.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Below-market 30-year mortgages with down payment assistance for Alabama homebuyers.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"geography":{"name":"geography","fieldType":"string","value":"Statewide; limits vary by target and non-target areas","description":"Geographic limits within the state","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Down payment assistance up to $10,000 or 4% of sales price","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Pass-through: apply for the loan through an AHFA participating lender.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Available through participating lenders; no application round","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"Down payment assistance is a 10-year second mortgage, not a gift; income and sales price limits apply and the home must be owner-occupied.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"ahfa-first-step-mortgage-revenue-bonds","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-alabama/#p-ahfa-first-step-mortgage-revenue-bonds","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://www.ahfa.com/programs/homeownership/available-programs/first-step-mortgage-revenue-bonds","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-03","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-04T05:38:06.84519+00:00","lastModifiedAt":"2026-11-09T12:37:49Z","competitions":[],"awards":[]}}