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Georgia

Down-payment assistance in Atlanta, Georgia

7 city-specific programs plus statewide and FHLBank options may be available for homes in Atlanta. Each result below links to the official source and shows when it was last verified.

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Atlanta programs

City programs require the home to be inside Atlanta city limits — a mailing address can be outside them. HomeStack checks city limits with the U.S. Census Bureau geocoder.

Forgivable second mortgageFunding unverifiedNEW

Bridging the Gap — Atlanta Housing DPA for Housing Choice Voucher Participants

The Housing Authority of the City of Atlanta (Atlanta Housing)

$60,000 of down payment assistance for current Atlanta Housing Housing Choice Voucher participants buying in the City of Atlanta, forgiven after a 10-year affordability period (price up to $375,000).

Advertises up to $60,000

Last verified: September 29, 2026

Down-payment assistanceFunding unverified

Atlanta Housing Down Payment Assistance

The Housing Authority of the City of Atlanta (Atlanta Housing)

Up to $20,000 — up to $25,000 for public safety, healthcare, education, current military/veterans and voucher participants — for first-time buyers at or below 80% of AMI purchasing in the City of Atlanta (price up to $375,000).

Advertises up to $20,000; up to $25,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

ATL Home Renovation Advantage (Invest Atlanta)

Invest Atlanta

$10,000 toward down payment and/or closing costs with an FHA 203(k) or conventional HomeStyle renovation loan in the City of Atlanta, forgiven after 5 years in the home.

Advertises up to $10,000

Last verified: September 29, 2026

Zero-interest second mortgageFunding unverified

Atlanta Beltline Mortgage Assistance Program

Invest Atlanta (with Atlanta Beltline, Inc.)

Up to $20,000 — or up to $30,000 for public-sector employees and long-term residents — as a 0% soft second mortgage with a 15-year affordability period, for homes in Beltline Tax Allocation District subareas 1, 2, 3, 8, 9 and 10.

Advertises up to $20,000; up to $30,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Perry Bolton Mortgage Assistance Program (Invest Atlanta)

Invest Atlanta

$20,000 for buyers at or below 80% of AMI purchasing a permanently affordable home, or $10,000 up to 120% of AMI, in the Perry Bolton Tax Allocation District; forgiven after 5 years.

Advertises up to $20,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Vine City Renaissance Initiative (Invest Atlanta)

Invest Atlanta

$20,000 toward down payment and/or closing costs for homes in Vine City (Hollowell Pkwy, Northside Dr, MLK Jr. Dr and Joseph E. Lowery Blvd), forgiven after 5 years in the home.

Advertises up to $20,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

ATL HomeNOW (Invest Atlanta)

Invest Atlanta

Up to $20,000 with an Invest Atlanta participating lender's 30-year fixed first mortgage, forgiven after 10 years as the primary residence, for homes within City of Atlanta limits.

Advertises up to $20,000

Last verified: September 29, 2026

Quick screen

A fast look using a few inputs. A full analysis also checks credit, loan type, stacking and cash-to-close.

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  • Bridging the Gap — Atlanta Housing DPA for Housing Choice Voucher Participantsup to $60,000Unknown
  • Atlanta Housing Down Payment Assistanceup to $20,000Potentially Eligible — Verification Required
  • ATL Home Renovation Advantage (Invest Atlanta)up to $10,000Potentially Eligible — Verification Required
  • Atlanta Beltline Mortgage Assistance Programup to $20,000Unknown
  • Perry Bolton Mortgage Assistance Program (Invest Atlanta)up to $20,000Potentially Eligible — Verification Required
  • Vine City Renaissance Initiative (Invest Atlanta)up to $20,000Potentially Eligible — Verification Required
  • ATL HomeNOW (Invest Atlanta)up to $20,000Unknown
  • FHLBank Atlanta Community Partnersup to $20,000Appears IneligibleThe program appears limited to specific professions that do not match the entered profile.
  • FHLBank Atlanta First-time Homebuyer Product (FHP)up to $17,500Potentially Eligible — Verification Required
  • FHLBank Atlanta Workforce Housing Plus+up to $15,000Potentially Eligible — Verification Required
  • Georgia Dream Homeownership Programup to $10,000Unknown
  • Georgia Dream Peach AdvantageUnknown
  • Georgia Dream Peach Plusup to $10,000Potentially Eligible — Verification Required

“Unknown” means the program needs details this quick screen doesn't collect, such as a credit score. Profession and veteran-based programs also need those details.

Run a full analysis for a specific home

2026 loan limits

  • Conforming one-unit baseline: $832,750

Statewide and FHLBank programs

GrantFunding unverified

FHLBank Atlanta Community Partners

Federal Home Loan Bank of Atlanta (through member institutions)

Grant of up to $20,000 for law enforcement officers, educators, firefighters, health care workers, veterans and surviving spouses, and other first responders earning at or below 80% AMI.

Advertises up to $20,000

Last verified: September 29, 2026

GrantFunding unverified

FHLBank Atlanta First-time Homebuyer Product (FHP)

Federal Home Loan Bank of Atlanta (through member institutions)

Grant of up to $17,500 for first-time homebuyers earning at or below 80% of area median income, accessed through an FHLBank Atlanta member institution.

Advertises up to $17,500

Last verified: September 29, 2026

GrantFunding unverified

FHLBank Atlanta Workforce Housing Plus+

Federal Home Loan Bank of Atlanta (through member institutions)

Up to $15,000 for homebuyers earning between 80.01% and 120% of area median income.

Advertises up to $15,000

Last verified: September 29, 2026

Deferred second mortgageFunding unverified

Georgia Dream Homeownership Program

Georgia Department of Community Affairs (DCA)

A Georgia Dream first mortgage (FHA, VA, USDA, or conventional) paired with a 0% deferred second mortgage for down payment and closing costs.

Advertises lesser of 5% or $10,000; lesser of 6% or $12,500

Last verified: September 29, 2026

Deferred second mortgageFunding unverified

Georgia Dream Peach Advantage

Georgia Department of Community Affairs (DCA)

A DCA conventional first mortgage for first-time or repeat buyers with an optional 0% second mortgage of 2%–5% of the first-lien amount.

Advertises up to 5% of the loan amount

Last verified: September 29, 2026

Down-payment assistanceFunding unverified

Georgia Dream Peach Plus

Georgia Department of Community Affairs (DCA)

A DCA FHA or VA first mortgage with down payment assistance and higher income and price limits than Georgia Dream; the first-time buyer requirement is waived.

Advertises lesser of 3.5% or $10,000; lesser of 4% or $12,500

Last verified: September 29, 2026

Official sources

HomeStack provides research and estimates based on available program criteria. It does not provide mortgage approval, underwriting, financial advice, or a guarantee of eligibility, funding, or loan terms. Final eligibility must be confirmed by the applicable lender or program administrator.