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Georgia

Down-payment assistance with an FHA loan in Georgia

Georgia assistance programs published as compatible with FHA first mortgages, and how FHA treats government secondary financing.

Analyze a specific home

FHA allows secondary financing from governmental entities to help meet the 3.5% minimum required investment, and HUD publishes no maximum combined LTV for that financing. Each assistance program still sets its own rules for pairing with an FHA first mortgage.

Georgia programs published as working with FHA 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

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

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

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

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

FHA products in HomeStack

FHA-insured purchase

FHA-insured 1–4 unit owner-occupied purchase. Minimum required investment of 3.5% with a credit score of 580 or higher; 10% with a score of 500–579.

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.