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Georgia

Down-payment assistance with a conventional loan in Georgia

Georgia assistance programs published as compatible with conventional first mortgages, and the conditions that apply.

Analyze a specific home

Conventional loans can pair with assistance structured as an approved subordinate lien (such as Fannie Mae Community Seconds, up to 105% CLTV) or with grants. Some programs limit conventional pairings — for example, Georgia Dream Homeownership Program limits conventional first mortgages to 80% LTV/CLTV.

Georgia programs published as working with conventional first mortgages

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

GrantFunding unverified

Cobb County My Home Down Payment Assistance

Housing Authority of Cobb County

A 30-year fixed-rate first mortgage from a participating lender with a non-repayable grant of 0%, 1% or 2% of the first mortgage amount for down payment and closing costs, for homes in Cobb County. No first-time buyer requirement.

Advertises up to 2% of the loan amount

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

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

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

Conventional products in HomeStack

Freddie Mac Home Possible

Freddie Mac's affordable conventional product for borrowers with qualifying income at or below 80% of area median income, with a 3% down payment on one-unit homes.

Fannie Mae HomeReady

Fannie Mae's affordable conventional product for borrowers with income at or below 80% of area median income. 97% LTV on one-unit homes through DU.

Conventional (Fannie Mae standard)

Conforming fixed-rate conventional loan. 97% LTV is available on one-unit homes when at least one borrower is a first-time homebuyer.

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.