Program directory
Programs in HomeStack's database (Georgia), each linked to its official source. Amounts are what programs advertise — eligibility depends on your situation.
State programs
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
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
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
Federal Home Loan Bank programs
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
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
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
County programs
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
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
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
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
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
City programs
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
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
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
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
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
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
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
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
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
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
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
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
Housing authority programs
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
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
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
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
Nonprofit programs
Employer programs
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
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
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
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
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
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
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
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
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
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
No longer active
Programs an official source says are not currently available. Kept here so old links and listings elsewhere can be checked.