Recording, homestead, and the first valuation notice are separate county steps after an Alabama purchase. Official recordation tax, homestead eligibility, and the 30-day Board of Equalization protest are published by the Department of Revenue.
Official AHFA programs include First Step and Step Up, with published down-payment assistance up to $10,000 or 4 percent of the sales price. AHFA does not take applications directly from buyers.
Official Alabama Department of Revenue rates are $0.50 per $500 on deeds and $0.15 per $100 on mortgages. County recording fees are separate and vary by county.
Official Alabama homestead relief is an assessed-value exemption, not a flat fair-market-value exclusion. The Department of Revenue publishes state and county amounts and tells owners to apply at the county office.
The official Department of Revenue FAQ gives property owners 30 days after receiving a written valuation notice to protest to the County Board of Equalization. Circuit court review has its own 30-day and tax-payment rules.
Used-home buyers in Alabama should not expect a state-mandated disclosure form. Inspect, ask questions in writing, and review section 6-5-102 on suppression of material facts.