BUYERS

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Georgia Dream Homeownership Program

🔗 https://georgia.gov/apply-georgia-dream-homeownership-program

📞 1-800-359-HOME (4663)

Assistance

• Up to $10,000–$12,500
• 0% interest, deferred second mortgage

Eligibility Checklist

• ☐ First-time buyer (or no ownership in 3+ years)
• ☐ Income limits apply
• ☐ Min credit score (typically 640)
• ☐ Homebuyer education required
• ☐ Must use approved Georgia Dream lender

Atlanta Housing Down Payment Assistance

🔗https://www.atlantahousing.org/programs/down-payment-assistance/

📞 (404) 659-1150

Assistance

• Up to $20,000–$25,000
• Forgiven over time

Eligibility Checklist

☐ First-time buyer

☐ Income limits apply

☐ Property within City of Atlanta

☐ Education & counseling required

☐ Approved lender

Fulton County Homeownership Program

🔗 https://www.fultoncountyga.gov/inside-fulton-county/fulton-county-departments/community-development/fulton-homeownership-program

📞 (404) 612-4640

Assistance

• Up to $22,500 (≈7.5% of purchase price)
• Deferred, 0% interest loan

Eligibility Checklist

• ☐ First-time homebuyer
• ☐ Income ≤ HUD limits
• ☐ Purchase in Fulton County
• ☐ Homebuyer education
• ☐ Approved Fulton lender

Invest Atlanta

https://www.investatlanta.com/homebuyers/homebuyer-programs-downpayment-assistance

• Homebuyers that meet income qualifications and plan to stay 5+ years in their new Vine City home can get $20,000 towards down payment & closing costs.
• Homebuyers that qualify and use a home renovation mortgage loan can receive $20,000 towards down payment & closing costs.
• Qualifying homeowners can receive $10,000 or $20,000 when buying a home in the Perry Bolton Tax Allocation District.
• Homebuyers that meet income qualifications can receive up to$20,000 in incentives.

Cobb County Housing Authority

 https://www.cobbcounty.gov/board/county-clerk/boards-authorities/housing-authority-cobb-county/mortgage-program

📞(770) 528-2500

Assistance

• Grant or DPA tied to mortgage
• First-time buyer not always required

Eligibility Checklist

• Income limits vary
• ☐ Owner-occupied residence
• ☐ Approved Cobb lender
• ☐ Education class (program dependent)

DeKalb County First-Time Homebuyer Program

🔗https://www.dekalbcountyga.gov/sites/default/files/FTHBDownPaymentAssistanceProgramOverview.pdf

Assistance

• Up to $8,000
• Deferred, 0% interest

Eligibility Checklist

• ☐ First-time buyer
• ☐ Income ≤ HUD limits
• ☐ Purchase in DeKalb County
• ☐ Homebuyer education
• ☐ Approved lender

Gwinnett County Homestretch Program

🔗 https://www.gwinnettcounty.com/departments/financialservices/grants/hudprograms/downpaymentassistance

📧 Homestretch@GwinnettCounty.com

📞 (678) 518-6008

Assistance

• Up to $10,000
• Forgiven after 5 years

Eligibility Checklist

☐ First-time buyer

☐ Income ≤ 80% AMI

☐ Primary residence in Gwinnett

☐ Homebuyer education

☐ Approved lender

Clayton County Down Payment Assistance

🔗 https://hud.claytoncountyga.gov/down-payment-assistance-program/

📧 HUD@claytoncountyga.gov

📞 (770) 473-5914

Assistance

• $10,000–$15,000
• Forgivable loan

Eligibility Checklist

☐ First-time buyer

☐ Income limits apply

☐ Purchase in Clayton County

☐ Education required

☐ Priority for veterans & essential workers

Douglas County Housing Partnership

🔗 https://douglascountyhousingpartnership.org/down-payment-assistance/

Assistance

• Variable assistance (funding-based)

Eligibility Checklist

☐ First-time buyer

☐ Income ≤ 80% AMI

☐ Purchase in Douglas County

☐ Education required