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Georgia

Down-payment assistance in DeKalb County, Georgia

1 county-specific program plus statewide and FHLBank options may be available for homes in DeKalb County. Each result below links to the official source and shows when it was last verified.

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DeKalb County programs

Forgivable second mortgageFunding unverifiedNEW

DeKalb HomeStart Down Payment Assistance

Decide DeKalb Development Authority with DeKalb County

Forgivable, deferred-payment silent second mortgage: $20,000 for households up to 100% of AMI, $15,000 from 101% to 120% of AMI, plus $5,000 for DeKalb County employees; forgiven after a 10-year owner-occupancy period. Applications are anticipated to open in Fall 2026.

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

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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  • DeKalb HomeStart Down Payment Assistanceup to $20,000Potentially Eligible — Verification Required
  • 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.

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Statewide program limits for DeKalb County

Georgia Dream Homeownership Program

Georgia Department of Community Affairs (DCA)

Maximum sales price: $625,000

Household income, 1–2 people: $137,555

Household income, 3+ people: $158,188

Effective 2026-07-08

Georgia Dream Peach Plus

Georgia Department of Community Affairs (DCA)

Maximum sales price: $725,000

Household income, 1–2 people: $206,333

Household income, 3+ people: $237,282

2026 loan limits

  • FHA one-unit limit for DeKalb County: $718,750
  • 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.