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Georgia

Georgia down-payment assistance

State, FHLBank, county and city down-payment assistance programs in Georgia, with official sources and last-verified dates.

Analyze a specific home

Georgia homebuyers may find assistance from Georgia Department of Community Affairs (DCA), from Federal Home Loan Bank of Atlanta (through member institutions), and from county and city programs. Programs differ in first-mortgage requirements, income and price limits, and whether they can be combined — HomeStack checks each published rule.

Local program pages

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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  • Albany Affordable Home Ownership Program (AHOP)Unknown
  • Athens Housing Authority Down Payment AssistanceAppears IneligibleThe property does not appear to be within the program area (Clarke).
  • Bridging the Gap — Atlanta Housing DPA for Housing Choice Voucher Participantsup to $60,000Unknown
  • Atlanta Housing Down Payment Assistanceup to $20,000Unknown
  • Augusta Employee Incentive Program (Officer Next Door)up to $15,000Appears IneligibleThe property does not appear to be within the program area (Richmond).
  • Augusta Homeownership Assistance Programup to $10,000Appears IneligibleThe property does not appear to be within the program area (Richmond).
  • Augusta Homebuyer Subsidy Programup to $25,000Appears IneligibleThe program is limited to properties in Richmond County.
  • Laney Walker/Bethlehem Homebuyer Incentivesup to $25,000Appears IneligibleThe program is limited to properties in Richmond County.
  • Clayton County Down Payment Assistanceup to $7,500Appears IneligibleThe property does not appear to be within the program area (Clayton).
  • Additional Grant for Cobb County Government Employeesup to $10,000Appears IneligibleThe property does not appear to be within the program area (Cobb).
  • Cobb County My Home Down Payment AssistanceAppears IneligibleThe property does not appear to be within the program area (Cobb).
  • Sweet Home Columbus Down-Payment Assistanceup to $49,999Appears IneligibleThe property does not appear to be within the program area (Muscogee).
  • DeKalb HomeStart Down Payment Assistanceup to $20,000Appears IneligibleThe property does not appear to be within the program area (DeKalb).
  • 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
  • Fulton County Homeownership Program (HOP)up to $25,000Appears IneligibleThe property does not appear to be within the program area (Fulton).
  • Georgia Dream Homeownership Programup to $10,000Unknown
  • Georgia Dream Peach AdvantageUnknown
  • Georgia Dream Peach Plusup to $10,000Potentially Eligible — Verification Required
  • City of Gainesville Homebuyer Down-Payment AssistanceUnknown
  • Gwinnett County Homestretchup to $10,000Appears IneligibleThe property does not appear to be within the program area (Gwinnett).
  • ATL Home Renovation Advantage (Invest Atlanta)up to $10,000Unknown
  • Atlanta Beltline Mortgage Assistance Programup to $20,000Unknown
  • Perry Bolton Mortgage Assistance Program (Invest Atlanta)up to $20,000Unknown
  • Vine City Renaissance Initiative (Invest Atlanta)up to $20,000Unknown
  • ATL HomeNOW (Invest Atlanta)up to $20,000Unknown
  • Macon-Bibb County Affordable Housing Fund Down Payment Assistanceup to $25,000Appears IneligibleThe property does not appear to be within the program area (Bibb).
  • Home4Bibb (Bibb County School District employees)up to $10,000Appears IneligibleThe property does not appear to be within the program area (Bibb).
  • Additional Grant for City of Marietta Employeesup to $10,000Unknown
  • Mercer University Employee Down Payment Assistance (Beall's Hill)up to $10,000Appears IneligibleThe program is limited to properties in Bibb County.
  • AFLAC Employee Homebuyer Grant (NeighborWorks Columbus)up to $5,000Appears IneligibleThe property does not appear to be within the program area (Muscogee).
  • City of Savannah Employee Home Purchase Assistanceup to $15,000Unknown
  • Savannah DreamMaker Home Purchase Assistanceup to $30,000Unknown
  • Georgia Ports Authority Team Member Home Purchase Assistanceup to $7,500Appears IneligibleThe property does not appear to be within the program area (Chatham).
  • Memorial HCA Team Member Home Purchase Assistanceup to $5,000Unknown
  • St. Joseph's/Candler Team Member Home Purchase Assistanceup to $7,500Unknown
  • Thomasville CHIP Homebuyer Subsidyup to $14,999Unknown

“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

All Georgia programs

Deferred second mortgageFunding unverified

Albany Affordable Home Ownership Program (AHOP)

City of Albany Department of Community & Economic Development

A soft second mortgage (gap financing) and closing-cost assistance for low- to moderate-income first-time buyers purchasing within Albany city limits, based on available HOME funds. The amount is not published.

Assistance amount not on file

Last verified: September 29, 2026

Down-payment assistanceFunding unverified

Athens Housing Authority Down Payment Assistance

Athens Housing Authority

Down payment assistance for moderate-income first-time buyers (80%–115% of Athens-Clarke AMI). The assistance amount and loan terms are not published.

Assistance amount not on file

Last verified: September 29, 2026

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

Down-payment assistanceFunding unverified

Augusta Employee Incentive Program (Officer Next Door)

Augusta Housing & Community Development Department

Up to $15,000 for City of Augusta and Richmond County Sheriff's Office employees, subject to available funding.

Advertises up to $15,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Augusta Homeownership Assistance Program

Augusta Housing & Community Development

Up to $10,000 as a deferred, forgivable loan (forgiven after 5 years of ownership and residence) for first-time buyers at or below 80% of AMI in Augusta-Richmond County, outside the city of Blythe.

Advertises up to $10,000

Last verified: September 29, 2026

Down-payment assistanceFunding unverified

Augusta Homebuyer Subsidy Program

Augusta Housing & Community Development Department

Up to $25,000 toward a home built by one of Augusta HCD's current HOME development partners, subject to available funding.

Advertises up to $25,000

Last verified: September 29, 2026

Down-payment assistanceFunding unverified

Laney Walker/Bethlehem Homebuyer Incentives

Augusta Housing & Community Development Department

Up to $25,000 in homebuyer incentives, including up to $10,000 for closing costs, for homes in Augusta's Laney Walker and Bethlehem neighborhoods, subject to available funding.

Advertises up to $25,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Clayton County Down Payment Assistance

Clayton County

$7,500 standard, or $10,000 for veterans and spouses, county employees, law enforcement, first responders, and healthcare and education workers, as an interest-free soft second.

Advertises up to $7,500; up to $10,000

Last verified: September 29, 2026

GrantFunding unverified

Additional Grant for Cobb County Government Employees

Housing Authority of Cobb County

An additional $10,000 grant for full-time Cobb County Government employees (12+ consecutive months) buying in Cobb County, used together with Cobb County My Home DPA.

Advertises up to $10,000

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

Forgivable second mortgageFunding unverified

Sweet Home Columbus Down-Payment Assistance

Columbus Consolidated Government, Community Reinvestment Department

Up to $49,999 as a 0% deferred loan for first-time buyers at or below 80% of AMI buying in Columbus/Muscogee County (price up to $252,000); forgiven over a 5-year (under $25,000) or 10-year affordability period.

Advertises up to $49,999

Last verified: September 29, 2026

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

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

Forgivable second mortgageFunding unverified

Fulton County Homeownership Program (HOP)

Fulton County Department of Community Development

Up to $25,000, based on need, as a 0% deferred loan forgiven 20% per year over five years of compliant owner occupancy.

Advertises up to $25,000

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

Down-payment assistanceFunding unverified

City of Gainesville Homebuyer Down-Payment Assistance

City of Gainesville Community & Economic Development (Housing Division)

Down-payment assistance for income-eligible first-time buyers in Gainesville, first come, first served. The amount and loan terms are not published.

Assistance amount not on file

Last verified: September 29, 2026

Deferred second mortgageFunding unverified

Gwinnett County Homestretch

Gwinnett County

Up to $10,000 as a five-year, 0% deferred payment loan for income-eligible buyers purchasing in Gwinnett County.

Advertises up to $10,000

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

Forgivable second mortgageFunding unverified

Macon-Bibb County Affordable Housing Fund Down Payment Assistance

Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.)

Typically $5,000 to $25,000 as a 0% interest, non-amortizing 5-year forgivable second (20% forgiven each year) for buyers at or below 120% of AMI; buyers must also apply for Georgia Dream if they qualify.

Advertises up to $25,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Home4Bibb (Bibb County School District employees)

Macon-Bibb County Affordable Housing Fund (MBCAHF, Inc.)

A $10,000 0% forgivable loan (20% forgiven each year over 5 years) for full-time Bibb County School District employees buying in Macon-Bibb County; can be layered with Georgia Dream.

Advertises up to $10,000

Last verified: September 29, 2026

GrantFunding unverified

Additional Grant for City of Marietta Employees

Housing Authority of Cobb County with the City of Marietta

An additional $10,000 grant ($15,000 for Marietta Public Safety) for full-time City of Marietta, Board of Lights & Water and Marietta City Schools employees buying inside Marietta city limits, used together with Cobb County My Home DPA.

Advertises up to $10,000; up to $15,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Mercer University Employee Down Payment Assistance (Beall's Hill)

Mercer University

17% of the purchase price, up to $10,000, for full-time Mercer employees buying a new or substantially rehabilitated home in the Beall's Hill neighborhood of Macon; repaid obligation is satisfied over 5 years of ownership and occupancy.

Advertises lesser of 17% or $10,000

Last verified: September 29, 2026

GrantFunding unverified

AFLAC Employee Homebuyer Grant (NeighborWorks Columbus)

NeighborWorks Columbus

A $5,000 grant for AFLAC employees buying in NeighborWorks Columbus revitalization neighborhoods (East Wynnton or Beallwood), or $1,000 elsewhere; gift funds with no lien or repayment.

Advertises up to $5,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

City of Savannah Employee Home Purchase Assistance

City of Savannah Housing Services Department

Up to $15,000 as a 0% forgivable loan for City of Savannah employees below department-head level buying in Savannah; 1/5 forgiven each year for 5 years (reported as income on the W-2).

Advertises up to $15,000

Last verified: September 29, 2026

Deferred second mortgageFunding unverified

Savannah DreamMaker Home Purchase Assistance

City of Savannah

Up to $30,000 as a 2% interest, 30-year deferred payment loan toward down payment, closing costs and/or gap financing for first-time buyers purchasing within Savannah city limits.

Advertises up to $30,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Georgia Ports Authority Team Member Home Purchase Assistance

City of Savannah Housing Services Department with Community Housing Services Agency (CHSA)

$7,500 as a 0% forgivable loan for Georgia Ports Authority employees buying anywhere in Chatham County; 1/5 forgiven each year for 5 years while employed by GPA and living in the home.

Advertises up to $7,500

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Memorial HCA Team Member Home Purchase Assistance

City of Savannah Housing Services Department

$5,000 as a 0% forgivable loan for Memorial HCA team members (team leader level or below) buying in Savannah; forgiven after 5 years of employment and owner-occupancy.

Advertises up to $5,000

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

St. Joseph's/Candler Team Member Home Purchase Assistance

City of Savannah Housing Services Department with Community Housing Services Agency (CHSA)

$7,500 as a 0% forgivable loan for first-time buyers who work at St. Joseph's/Candler (team leader level or below) and buy in Savannah; 1/5 forgiven each year for 5 years.

Advertises up to $7,500

Last verified: September 29, 2026

Forgivable second mortgageFunding unverified

Thomasville CHIP Homebuyer Subsidy

City of Thomasville Planning Department

Up to $14,999 as a deferred-payment second mortgage forgiven 20% a year over about 5 years, for buyers under 80% of AMI purchasing a new home built on Thomasville-Thomas County Land Bank property.

Advertises up to $14,999

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.