Down-payment assistanceRequires verificationFunding 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).
Assistance
Advertises up to $20,000; up to $25,000
- Up to $20,000
- Up to $25,000 — public safety, healthcare, education, military
- Up to $25,000 — current military or veterans
Loan terms (forgiveness, repayment) are on Atlanta Housing's loan guidelines page, which was not available when researched.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: Not published
Funding: Funding status could not be independently verified.
Published requirements
Requirements not listed here are not on file and must be confirmed.
- First-time homebuyer requiredNo home owned in the past 3 years.
See exact policy language
“First-time homebuyers who have not owned a home in the past 3 years, excluding any ownership interest in residential or commercial property during this period.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Must be your primary residence
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“The property must be the homebuyer's primary residence; second homes are prohibited.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Minimum borrower contribution $1,500
See exact policy language
“The buyer's contribution or own funds for the purchase must be at least $1,500.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Homebuyer education: 8-hour HUD-approved homebuyer class for everyone on the note.
See exact policy language
“Complete an eight-hour Homebuyer Education class from a HUD-approved provider, mandatory for all persons on the note.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Permitted first mortgages: Conventional, FHA, VAFixed-rate, 15 to 30 years.
See exact policy language
“Applicants must meet the primary lender's credit requirements and secure approval for conventional, FHA, or VA loan financing.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - No program minimum credit score publishedThe primary lender's credit requirements apply.
See exact policy language
“Applicants must meet the primary lender's credit requirements and secure approval for conventional, FHA, or VA loan financing.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Location: Atlanta
- Income limits: on file for City of Atlanta (80% of area median income) · official limits
- Purchase-price limits: $375,000–$375,000 depending on area/construction
- Property types: Single Family, Townhouse, Condo
Every rule, in the program’s own words
Each rule HomeStack applies to this program, with the exact passage from the official document and a link that opens the document at that passage. HomeStack re-checks every quote against the live document.
- Assistance — Up to $20,000
See exact policy language
“The Atlanta Housing Down Payment Assistance (DPA) Program provides down payment assistance to eligible first-time homebuyers up to $20,000, subject to meeting both the program and primary lender's requirements.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · IntroOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Assistance — Up to $25,000 — public safety, healthcare, education, military
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“Public safety, healthcare, education, current military or veteran, and Voucher Participants are eligible for up to $25,000.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · IntroOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Assistance — Up to $25,000 — current military or veterans
See exact policy language
“Public safety, healthcare, education, current military or veteran, and Voucher Participants are eligible for up to $25,000.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Down Payment AssistanceOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - First-time homebuyer
See exact policy language
“First-time homebuyers who have not owned a home in the past 3 years, excluding any ownership interest in residential or commercial property during this period.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Owner occupancy
See exact policy language
“The property must be the homebuyer's primary residence; second homes are prohibited.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Minimum borrower contribution
See exact policy language
“The buyer's contribution or own funds for the purchase must be at least $1,500.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Homebuyer education
See exact policy language
“Complete an eight-hour Homebuyer Education class from a HUD-approved provider, mandatory for all persons on the note.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Eligible first mortgages
See exact policy language
“Applicants must meet the primary lender's credit requirements and secure approval for conventional, FHA, or VA loan financing.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Minimum credit score
See exact policy language
“Applicants must meet the primary lender's credit requirements and secure approval for conventional, FHA, or VA loan financing.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Eligible location
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“Properties must be located within the City of Atlanta.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Income limits
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“Income must be at most 80% of the current HUD's MSA Area Median Income.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Purchase price limits
See exact policy language
“The purchase price must be at most $375,000.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Property rules
See exact policy language
“Eligible properties include single-family detached homes, townhomes, or condominiums; undeveloped land is not qualified.”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · Eligibility RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Contact — Atlanta Housing
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“404-892-4700”
Down Payment Assistance - Atlanta Housing — Atlanta Housing · FooterOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 29, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text.
Important notes
- Housing Choice Voucher participants may receive up to $25,000; HomeStack does not ask about voucher status.
- Liquid assets capped at $35,000; 6 months of Georgia residency; no non-occupant co-borrowers or co-signers.
Official contacts
Atlanta Housing: 404-892-4700
Participating lenders: confirm with the administrator. Housing counselors: HUD counselor search.
Official source
Down Payment Assistance - Atlanta Housing · Atlanta Housing · Last verified: September 29, 2026
Quote found word-for-word · checked September 29, 2026
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.